POSTCITY FINANCIAL CREDIT UNION

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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

1933

Legal Domicile

Principal Officer

CHRISTINE HALEY

Phone

5624986057

Tax Period

2024-01-01 to 2024-12-31

POSTCITY FINANCIAL CREDIT UNION, founded in 1933, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Net assets of $9.0M represent 35 months of operating reserves.

Mission

POSTCITY FINANCIAL CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, POSTCITY FINANCIAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFIT, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.

Program Service Accomplishments

Program 1

ACHIEVEMENT OF SATISFACTORY SERVICES PROVIDED TO MEMBERS IN CONNECTION WITH CONSUMER LOANS, I.E., AUTO LINES, VISA AND PERSONAL LINES OF CREDIT.

Program 2

ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS.

Program 3

MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,152,193

Investment Income $900,392

Other Revenue $22,703

TOTAL REVENUE $3,075,288

Expense Breakdown

Grants Paid $3,250

Salaries & Benefits $1,305,741

Fundraising Expenses $0

Other Expenses $1,763,514

TOTAL EXPENSES $3,072,505

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,075,288	$2,615,104	+0.2%
Expenses	$3,072,505	$2,609,269	+0.2%
Net Income	$2,783	$5,835	-0.5%

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

$401,358

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANNY MASTREN	CHAIRMAN	1.00	Director	$0	$0	$0
ALFRED SOUDER	VICE CHAIRMAN	1.00	Director	$0	$0	$0
KENNETH RULE	TREASURER	1.00	Director	$0	$0	$0
CARNELL DUNSTON	SECRETARY/AUDIT CMTE	1.00	Director	$0	$0	$0
RITA GUTIERREZ	BOARD MEMBER/AUDIT CMTE	1.00	Director	$0	$0	$0
CHRISTINE CHAVIRA	AUDIT CMTE	1.00	Director	$0	$0	$0
CHRISTINE HALEY	PRESIDENT/CEO	45.00	Officer	$194,810	$20,430	$215,240
ASTRID RIVES	VICE PRESIDENT	45.00	Officer	$157,927	$28,191	$186,118

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	$3,075,288	$3,072,505	$78,518,033	$2,783
2023	$2,615,104	$2,609,269	$77,122,049	$5,835
2022	$2,303,203	$2,506,068	$79,738,384	$-202,865
2021	$2,135,998	$2,055,470	$83,074,961	$80,528
2020	$2,446,765	$2,417,778	$78,665,953	$28,987