PACIFIC POSTAL CREDIT UNION (EIN 940760540) - 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

Principal Officer

FARDAD KHOSRAVI

Phone

4082758595

Tax Period

2023-01-01 to 2023-12-31

PACIFIC POSTAL CREDIT UNION, founded in 1931, is a mid-sized nonprofit that reported $10.5M in total revenue in fiscal year 2023. Revenue surged 38% from the prior year, signaling strong growth momentum. Expenses of $9.0M left a modest 14% surplus.

Mission

PACIFIC POSTAL CREDIT UNION BUILDS FINANCIAL PARTNERSHIPS AND PROVIDES COMPETITIVE SERVICES.

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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 $6,278,499

Investment Income $4,237,695

Other Revenue $0

TOTAL REVENUE $10,516,194

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,551,821

Fundraising Expenses $0

Other Expenses $5,466,302

TOTAL EXPENSES $9,018,123

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,516,194	$7,633,896	+0.4%
Expenses	$9,018,123	$6,796,679	+0.3%
Net Income	$1,498,071	$837,217	+0.8%

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

$616,858

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL CROTEAU	VICE CHAIR	0.50	Officer Director	$0	$0	$0
MARIE FURTADO	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL MEDLIN	SECRETARY, TREASURER	0.50	Officer Director	$0	$0	$0
JOHANNA ROCHA	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT SCALETTA	DIRECTOR	0.50	Director	$0	$0	$0
RICHARD SILVERIA	DIRECTOR	0.50	Director	$0	$0	$0
ROGER SOMER	CHAIR	0.50	Officer Director	$0	$0	$0
FARDAD KHOSRAVI	PRESIDENT & CEO	40.00	Officer	$332,884	$101,506	$434,390
PAUL LINDSLEY	CFO	40.00	Officer	$160,272	$22,196	$182,468
KAROLE MORIKAWA	MARKETING MANAGER	40.00	Highest	$132,810	$21,802	$154,612
DAVID CLARK	IT MANAGER	40.00	Highest	$140,664	$21,195	$161,859
CYNDEE LEMON	OPERATIONS MANAGER	40.00	Highest	$129,675	$24,068	$153,743
ELSA PHAM	MARKETING MANAGER	0.00	Highest	$128,530	$23,736	$152,266

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
2024	No data	No data	No data	No data
2023	$10,516,194	$9,018,123	$236,503,849	$1,498,071
2022	$7,633,896	$6,796,679	$239,600,553	$837,217
2021	$6,861,841	$6,062,035	$255,571,467	$799,806
2020	$7,478,389	$6,608,979	$243,282,825	$869,410
2019	$10,043,628	$8,881,683	$224,203,026	$1,161,945
2018	$9,678,325	$8,007,302	$221,667,160	$1,671,023

PACIFIC POSTAL CREDIT UNION