Peoples Credit Union (EIN 840519638) - 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

1956

Legal Domicile

Principal Officer

Spencer Homsher

Phone

7195236250

Tax Period

2025-01-01 to 2025-12-31

Peoples Credit Union, founded in 1956, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 22% operating margin.

Mission

State Chartered Credit Union

🔒

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 $4,644,400

Investment Income $587,311

Other Revenue $0

TOTAL REVENUE $5,231,711

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,427,552

Fundraising Expenses $0

Other Expenses $2,656,450

TOTAL EXPENSES $4,084,002

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,231,711	$4,607,281	+0.1%
Expenses	$4,084,002	$4,405,062	-0.1%
Net Income	$1,147,709	$202,219	+4.7%

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

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

$109,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Larkin Smith	Board Chair	1.00	Officer Director	$0	$0	$0
Dawn Rodarmel	Vice Chair	1.00	Officer Director	$0	$0	$0
Bill Hall	Treasurer	1.00	Officer Director	$0	$0	$0
Wendi Rider	Secretary	1.00	Officer Director	$0	$0	$0
Jose Morris	Director	1.00	Director	$0	$0	$0
Linda Lusk	Director	1.00	Director	$0	$0	$0
Spencer Homsher	CEO	40.00	Officer Highest	$109,000	$0	$109,000

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	$5,231,711	$4,084,002	$73,538,911	$1,147,709
2024	$4,607,281	$4,405,062	$70,151,177	$202,219
2023	$3,792,096	$2,916,835	$66,445,218	$875,261
2022	$3,034,890	$2,302,119	$65,589,501	$732,771
2021	$2,782,457	$2,357,571	$63,741,469	$424,886
2020	$2,793,333	$2,143,931	$60,514,495	$649,402
2019	$2,722,432	$2,176,319	$52,120,548	$546,113
2018	$2,604,685	$1,832,943	$49,637,649	$771,742

Peoples Credit Union