ALABAMA POSTAL CREDIT UNION (EIN 630305308) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1927

Legal Domicile

Principal Officer

Randy V Allen

Phone

2052524812

Tax Period

2025-01-01 to 2025-12-31

ALABAMA POSTAL CREDIT UNION, founded in 1927, is a small nonprofit in the Public & Societal Benefit sector that reported $314K in total revenue in fiscal year 2020. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $54K, a strong 17% operating margin.

Mission

Cooperative Society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $454,616

Investment Income $0

Other Revenue $0

TOTAL REVENUE $454,616

Expense Breakdown

Grants Paid $0

Salaries & Benefits $145,187

Fundraising Expenses $0

Program Expenses $311,515

Other Expenses $166,328

TOTAL EXPENSES $311,515

Year-over-Year Comparison

	2025	2024	Change
Revenue	$454,616	$460,145	0.0%
Expenses	$311,515	$313,899	0.0%
Net Income	$143,101	$146,246	0.0%

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

$71,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Randy V Allen	Manager/CEO	40.00	Officer	$71,500	$0	$71,500
James A Schilling	Director, Chairman	1.00	Director	$0	$0	$0
Billy W Lawley	Director	1.00	Director	$0	$0	$0
Leon Henderson	Director	1.00	Director	$0	$0	$0
Mark Lashley	Director	1.00	Director	$0	$0	$0
Lillian Gresham	Director	1.00	Director	$0	$0	$0
Solomon Mitchell	Supervisory Committee, Chairman	1.00	Director	$0	$0	$0
Byron Wesley	Supervisory Committee	1.00	Director	$0	$0	$0
Robert Richburg	Supervisory Committee	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	$454,616	$311,515	$6,383,842	$143,101
2024	$460,145	$313,899	$5,922,969	$146,246
2023	$437,267	$293,664	$5,866,272	$143,603
2022	$264,658	$230,239	$5,604,390	$34,419
2021	$244,815	$241,908	$7,047,472	$2,907
2020	$313,754	$259,363	$7,044,162	$54,391

ALABAMA POSTAL CREDIT UNION