PATRIOT EQUITY CREDIT UNION (EIN 620328550) - 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

1929

Legal Domicile

Principal Officer

STEPHANIE STALLINGS

Phone

7316681155

Tax Period

2025-01-01 to 2025-12-31

PATRIOT EQUITY CREDIT UNION, founded in 1929, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS 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 $1,713,705

Investment Income $421,702

Other Revenue $111,897

TOTAL REVENUE $2,247,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $308,473

Fundraising Expenses $0

Program Expenses $2,318,572

Other Expenses $2,010,099

TOTAL EXPENSES $2,318,572

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,247,304	$2,580,294	-0.1%
Expenses	$2,318,572	$3,179,384	-0.3%
Net Income	$-71,268	$-599,090	-0.9%

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

$87,082

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON ROSS	FORMER CEO	40.00		$138,295	$9,692	$147,987
STEPHANIE STALLINGS	INTERIM CEO	40.00	Officer	$84,517	$2,565	$87,082
DANNY CROSSETT	BOARD MEMBER	1.00	Director	$0	$0	$0
MATTHEW DENTON	BOARD PRESID	1.00	Director	$0	$0	$0
WILL KING	BOARD TREASU	1.00	Director	$0	$0	$0
JANINE DUNLAP	BOARD VICE P	1.00	Director	$0	$0	$0
BRAD DENTON	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY MORRIS	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	$2,247,304	$2,318,572	$34,093,465	$-71,268
2024	No data	No data	No data	No data
2023	$2,566,656	$2,413,674	$40,959,973	$152,982
2022	$1,990,607	$1,607,758	$38,255,500	$382,849
2021	$1,670,795	$1,400,668	$33,046,063	$270,127
2020	$1,647,186	$1,387,683	$31,350,369	$259,503
2019	$1,691,574	$1,661,007	$29,256,636	$30,567
2018	$1,454,825	$1,378,839	$27,988,847	$75,986

PATRIOT EQUITY CREDIT UNION