Postal Credit Union (EIN 720520490) - 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

1931

Legal Domicile

Phone

2253834109

Tax Period

2025-01-01 to 2025-06-30

Postal Credit Union, founded in 1931, is a small nonprofit that reported $427K in total revenue in fiscal year 2025. Revenue fell 50% from the prior year — a significant decline worth monitoring. Expenses of $1.8M exceeded revenue, resulting in a 329% operating deficit.

Mission

Member owned not for profit financial cooperative provides an affordable source of savings and borrowing for credit union 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 $321,006

Investment Income $105,856

Other Revenue $0

TOTAL REVENUE $426,862

Expense Breakdown

Grants Paid $0

Salaries & Benefits $656,119

Fundraising Expenses $0

Program Expenses $1,832,389

Other Expenses $1,176,270

TOTAL EXPENSES $1,832,389

Year-over-Year Comparison

	2025	2024	Change
Revenue	$426,862	$849,884	-0.5%
Expenses	$1,832,389	$1,223,723	+0.5%
Net Income	$-1,405,527	$-373,839	+2.8%

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

N/A

Volunteers

N/A

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
Drusilla Parker	Board Member	1.00	Director	$0	$0	$0
Anthony Fourroux	Board Member	1.00	Director	$0	$0	$0
Helen Coulkin	Board Member	1.00	Director	$0	$0	$0
Gwendolyn Stevenson	Chairperson	1.00	Officer	$0	$0	$0
Casandra Davis	Vice Chairperson	1.00	Officer	$0	$0	$0
Karen Hebert	Secretary	1.00	Officer	$0	$0	$0
Adolph Ray	Treasurer	2.00	Officer	$0	$0	$0
Tynita Howard	CEO	40.00	Key Emp	$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	$426,862	$1,832,389	No data	$-1,405,527
2024	$849,884	$1,223,723	$19,425,925	$-373,839
2023	$934,689	$983,956	$21,667,249	$-49,267
2022	$901,144	$974,981	$24,261,888	$-73,837
2021	$867,702	$916,269	$26,286,667	$-48,567
2020	$1,042,653	$912,476	$25,021,980	$130,177
2019	$1,095,962	$1,282,247	$24,338,380	$-186,285
2018	$1,223,472	$1,351,472	$25,872,667	$-128,000

Postal Credit Union