NASHVILLE POST OFFICE CREDIT UNION (EIN 620304975) - 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

1925

Legal Domicile

Principal Officer

CRISTY SKINNER

Phone

6158714221

Tax Period

2025-01-01 to 2025-12-31

NASHVILLE POST OFFICE CREDIT UNION, founded in 1925, is a community nonprofit that reported $4.5M in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $4.2M left a modest 7% surplus.

Mission

CREDIT UNION-TO PROVIDE FINANCIAL SERVICES FOR MEMBERS.

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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 $3,504,983

Investment Income $879,314

Other Revenue $77,520

TOTAL REVENUE $4,461,817

Expense Breakdown

Grants Paid $0

Salaries & Benefits $958,858

Fundraising Expenses $0

Program Expenses $4,169,605

Other Expenses $3,210,747

TOTAL EXPENSES $4,169,605

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,461,817	$3,669,262	+0.2%
Expenses	$4,169,605	$3,333,657	+0.3%
Net Income	$292,212	$335,605	-0.1%

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

$168,612

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRISTY SKINNER	MANAGER/CEO	40.00	Officer	$150,000	$18,612	$168,612
LARRY D TAYLOR	BOARD CHAIR	1.00	Director	$0	$0	$0
SHARON RADER	BOD VICE-CHA	1.00	Officer Director	$0	$0	$0
THERESA FENNELL	BOARD SECRET	1.00	Director	$0	$0	$0
ANNETTE P MCLAURIN	BOARD TREASU	1.00	Director	$0	$0	$0
LISA RAY-ENSLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
GENEVA LONDON	BOARD MEMBER	1.00	Director	$0	$0	$0
ROY JOE ABSHER	BOARD MEMBER	1.00	Director	$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	$4,461,817	$4,169,605	$79,992,530	$292,212
2024	$3,669,262	$3,333,657	$73,600,612	$335,605
2023	$3,077,714	$2,854,148	$69,382,736	$223,566
2022	$2,390,622	$2,521,376	$71,202,266	$-130,754
2021	$2,191,084	$2,384,552	$72,896,845	$-193,468
2020	$2,373,307	$2,510,347	$69,516,613	$-137,040
2019	$2,597,501	$2,496,311	$64,443,749	$101,190
2018	$2,558,272	$2,267,279	$65,075,896	$290,993

NASHVILLE POST OFFICE CREDIT UNION