P&S CREDIT UNION (EIN 870239728) - 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

1956

Legal Domicile

Principal Officer

TAMMY MORGAN

Phone

8019730575

Tax Period

2023-01-01 to 2023-12-31

P&S CREDIT UNION, founded in 1956, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Revenue surged 55% from the prior year, signaling strong growth momentum. The organization ran a surplus of $316K, a strong 25% operating margin.

Mission

CREDIT UNION / FINANCIAL SERVICES - WHERE PEOPLE AND SERVICE MATTER

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,089,202

Investment Income $178,873

Other Revenue $0

TOTAL REVENUE $1,268,075

Expense Breakdown

Grants Paid $0

Salaries & Benefits $356,953

Fundraising Expenses $0

Program Expenses $952,272

Other Expenses $421,023

TOTAL EXPENSES $952,272

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,268,075	$818,440	+0.5%
Expenses	$952,272	$706,144	+0.3%
Net Income	$315,803	$112,296	+1.8%

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

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

$99,138

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMY MORGAN	President & CEO	40.00	Officer	$99,138	$0	$99,138
JASON JACOBSON	BOARD MEMBER	1.00	Director	$0	$0	$0
KELLY BAKER	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURA THACKERAY	Secretary	1.00	Director	$0	$0	$0
JEREMY HASLAM	VICE CHAIRMAN	2.00	Director	$0	$0	$0
RICK BUCHANAN	BOARD MEMBER	1.00	Director	$0	$0	$0
AUDREY HORTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
CONNIE NIELSEN	SUPERVISORY COM	1.00	Director	$0	$0	$0
ALLEN ROBINS	Chairman	2.00	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
2023	$1,268,075	$952,272	$23,212,757	$315,803
2022	$818,440	$706,144	$19,521,627	$112,296
2021	$706,253	$684,668	$17,592,737	$21,585
2020	$733,893	$963,473	$15,805,118	$-229,580
2019	$837,163	$749,278	$14,750,940	$87,885
2018	$803,162	$712,474	$16,990,799	$90,688

P&S CREDIT UNION