Amarillo Postal Employees Credit Union (EIN 750788782) - 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

8063542166

Tax Period

2025-01-01 to 2025-12-31

Amarillo Postal Employees Credit Union, founded in 1931, is a small nonprofit that reported $912K in total revenue in fiscal year 2025. Expenses of $881K left a modest 3% surplus.

Mission

Provide savings, checking accounts, and loans for 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 $526,759

Investment Income $331,079

Other Revenue $53,806

TOTAL REVENUE $911,644

Expense Breakdown

Grants Paid $0

Salaries & Benefits $306,938

Fundraising Expenses $0

Other Expenses $574,427

TOTAL EXPENSES $881,365

Year-over-Year Comparison

	2025	2024	Change
Revenue	$911,644	$869,974	+0.0%
Expenses	$881,365	$844,640	+0.0%
Net Income	$30,279	$25,334	+0.2%

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

$144,217

Total Directors

Key Employees

$74,815

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bill Widick	Chairman	1.00	Officer Director	$0	$0	$0
Terry Hawthorne	Vice Chair	1.00	Officer Director	$0	$0	$0
Lonnie Walker	Sect/Treasurer	1.00	Officer Director	$0	$0	$0
Kenneth Cooper	Director	1.00	Director	$0	$0	$0
Brady Burress	Director	1.00	Director	$0	$0	$0
Janie Henderson	Vice President	40.00	Officer Key Emp	$74,815	$0	$74,815
Jay Lewter	Manager/CEO	40.00	Officer	$69,402	$0	$69,402

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	$911,644	$881,365	$19,037,233	$30,279
2024	$869,974	$844,640	$18,612,356	$25,334
2023	$791,438	$816,617	$18,347,046	$-25,179
2022	$615,018	$642,073	$20,473,965	$-27,055
2021	$631,217	$600,499	$19,465,801	$30,718
2020	$688,967	$664,635	$18,633,684	$24,332
2019	$700,259	$686,942	$16,016,640	$13,317
2018	$679,226	$710,204	$16,398,025	$-30,978

Amarillo Postal Employees Credit Union