LEXINGTON POSTAL COMMUNITY CREDIT UNION (EIN 610446477) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1928

Legal Domicile

Principal Officer

Sharon Stafford

Phone

8592337902

Tax Period

2025-01-01 to 2025-12-31

LEXINGTON POSTAL COMMUNITY CREDIT UNION, founded in 1928, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Expenses of $1.2M left a modest 4% surplus.

Mission

Lexington Postal Community Credit Union is committed to making available financial products and services that will enable our members and potential members to understand and meet their financial needs, while maintaining competitive loan and savings rates, and preserving the stability and confidence in the Credit Union.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $648,645

Investment Income $337,490

Other Revenue $244,168

TOTAL REVENUE $1,230,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $376,116

Fundraising Expenses $0

Program Expenses $1,183,330

Other Expenses $798,754

TOTAL EXPENSES $1,183,329

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,230,303	$1,196,779	+0.0%
Expenses	$1,183,329	$1,132,927	+0.0%
Net Income	$46,974	$63,852	-0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID SIMPSON	DIRECTOR	1	Officer	$0	$0	$0
GEORGE TURNLEY	DIRECTOR	1	Officer	$0	$0	$0
JERRY ADAMS	DIRECTOR	1	Officer	$0	$0	$0
CLYDE TRENT	DIRECTOR	1	Officer	$0	$0	$0
PHIL LAMBERT	DIRECTOR	1	Officer	$0	$0	$0
LARRY STAFFORD	DIRECTOR	1	Officer	$0	$0	$0
SANDRA BARNES	DIRECTOR	1	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,230,303	$1,183,329	$26,416,783	$46,974
2024	$1,196,779	$1,132,927	$26,245,343	$63,852
2023	$1,306,708	$1,138,390	$27,683,537	$168,318
2022	$891,893	$1,007,618	$28,364,562	$-115,725
2021	$909,416	$1,094,251	$28,944,086	$-184,835
2020	$894,882	$1,116,516	$25,491,427	$-221,634
2019	$1,084,305	$1,061,740	$21,887,779	$22,565
2018	$1,060,229	$932,813	$22,659,061	$127,416

LEXINGTON POSTAL COMMUNITY CREDIT UNION