PIE CREDIT UNION (EIN 746176202) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1971

Legal Domicile

Principal Officer

ORELIA CLAY

Phone

7135510491

Tax Period

2025-01-01 to 2025-12-31

PIE CREDIT UNION, founded in 1971, is a small nonprofit that reported $628K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $233K, a strong 37% operating margin.

Mission

PIE Credit Union is a cooperative thrift institution. Our mission is to maintain a sound financial institution and provide excellent services to our member-owners.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $463,468

Investment Income $155,975

Other Revenue $8,785

TOTAL REVENUE $628,228

Expense Breakdown

Grants Paid $0

Salaries & Benefits $182,817

Fundraising Expenses $0

Program Expenses $38,981

Other Expenses $212,628

TOTAL EXPENSES $395,445

Year-over-Year Comparison

	2025	2024	Change
Revenue	$628,228	$561,937	+0.1%
Expenses	$395,445	$376,144	+0.1%
Net Income	$232,783	$185,793	+0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

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

$92,452

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Orelia J Clay	President/Manager	40	Key Emp	$92,452	$0	$92,452
Raquel Kyle	Director	1	Director	$0	$0	$0
Elvis Wilkerson	Secretary	1	Director	$0	$0	$0
Paul Vacek	Treasurer	1	Director	$0	$0	$0
Hal Hazen	Vice Chairman	1	Director	$0	$0	$0
Casey Trahan	Director	1	Director	$0	$0	$0
Peter Kozak	Chairman	1	Director	$0	$0	$0
Douglas Kimbrough	Director	1	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	$628,228	$395,445	$10,894,037	$232,783
2024	$561,937	$376,144	$11,488,787	$185,793
2023	$405,603	$273,945	$11,331,951	$131,658
2022	$304,669	$276,607	$11,592,714	$28,062
2021	$304,339	$275,180	$11,533,861	$29,159
2020	$362,970	$295,128	$10,784,643	$67,842
2019	$364,546	$282,675	$10,469,699	$81,871
2018	$366,398	$320,297	$12,294,586	$46,101

PIE CREDIT UNION