PIAS CREDIT UNION (EIN 620840518) - 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

1961

Legal Domicile

Principal Officer

ED CHALIFOUX

Phone

6153609951

Tax Period

2025-01-01 to 2025-12-31

PIAS CREDIT UNION, founded in 1961, is a micro nonprofit that reported $46K in total revenue in fiscal year 2025. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $188K exceeded revenue, resulting in a 306% operating deficit.

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 $140,532

Investment Income $33,958

Other Revenue $-128,208

TOTAL REVENUE $46,282

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,373

Fundraising Expenses $0

Program Expenses $188,007

Other Expenses $89,634

TOTAL EXPENSES $188,007

Year-over-Year Comparison

	2025	2024	Change
Revenue	$46,282	$185,238	-0.8%
Expenses	$188,007	$181,498	+0.0%
Net Income	$-141,725	$3,740	-38.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ED CHALIFOUX	CEO & SEC/TR	20.00	Officer Director	$0	$0	$0
CHARLES CURRAN	BOARD MEMBER	1.00	Director	$0	$0	$0
ALLEN CARDEN	CHAIRMAN	1.00	Director	$0	$0	$0
THOMAS MCEWEN	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID MCQUIDDY III	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICE D DAWS	BOARD MEMBER	1.00	Director	$0	$0	$0
DALE HUNT NICHOLS JR	VICE-CHAIRMA	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	$46,282	$188,007	$4,252,269	$-141,725
2024	$185,238	$181,498	$4,043,580	$3,740
2023	$182,504	$175,275	$4,597,803	$7,229
2022	$176,438	$206,830	$5,126,190	$-30,392
2021	$187,709	$222,659	$5,608,014	$-34,950
2020	$191,348	$215,825	$5,305,992	$-24,477
2019	$219,868	$229,545	$4,884,960	$-9,677
2018	$213,982	$234,172	$4,958,577	$-20,190

PIAS CREDIT UNION