PROFESSIONAL FIRE FIGHTERS CREDIT UNION (EIN 720571436) - 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

1952

Legal Domicile

Phone

3186030626

Tax Period

2025-01-01 to 2025-12-31

PROFESSIONAL FIRE FIGHTERS CREDIT UNION, founded in 1952, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2025. The organization ran a surplus of $1.2M, a strong 33% operating margin.

Mission

TO PROVIDE AFFORDABLE FINANCIAL SERVICES TO 2707 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 $2,490,425

Investment Income $1,100,756

Other Revenue $0

TOTAL REVENUE $3,591,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $568,978

Fundraising Expenses $0

Program Expenses $2,190,397

Other Expenses $1,820,787

TOTAL EXPENSES $2,389,765

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,591,181	$3,360,791	+0.1%
Expenses	$2,389,765	$2,155,758	+0.1%
Net Income	$1,201,416	$1,205,033	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

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

$177,679

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOBBY CANNON	CEO	040.00	Key Emp Highest	$92,121	$0	$92,121
ELOYCE MCLUNG	ASST CEP	040.00	Key Emp Highest	$85,558	$0	$85,558
JAMES E POPE	BD MBR	002.00	Director	$0	$0	$0
RICHARD PARKER	BD MBR	002.00	Director	$0	$0	$0
DWAYNE TASBY	BD MBR	002.00	Director	$0	$0	$0
LANCE PARKER	BD MBR	002.00	Director	$0	$0	$0
CARLOS STEWARD	BD MBR	002.00	Director	$0	$0	$0
R A PARKER	BD MBR	002.00	Director	$0	$0	$0
KENNETH CONLY	SEC/TREASURE	002.00	Officer	$0	$0	$0
CEDRIC WHITE	V/CHAIR	002.00	Officer	$0	$0	$0
WILLIAM T HOWARD	CHAIRMAN	002.00	Officer	$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	$3,591,181	$2,389,765	$71,819,438	$1,201,416
2024	$3,360,791	$2,155,758	$67,890,057	$1,205,033
2023	$2,771,783	$1,986,557	$65,614,485	$785,226
2022	$1,990,559	$1,524,961	$64,529,288	$465,598
2021	$1,808,132	$1,439,722	$59,963,555	$368,410
2020	$1,874,351	$1,384,612	$53,689,245	$489,739
2019	$1,839,955	$1,334,229	$46,834,599	$505,726
2018	$1,697,489	$1,197,341	$44,895,707	$500,148

PROFESSIONAL FIRE FIGHTERS CREDIT UNION