Printing Industries Credit Union (EIN 956097220) - 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

1957

Legal Domicile

Phone

3237281866

Tax Period

2023-01-01 to 2023-03-31

Printing Industries Credit Union, founded in 1957, is a small nonprofit that reported $475K in total revenue in fiscal year 2023. Revenue fell 72% from the prior year — a significant decline worth monitoring. Expenses of $440K left a modest 7% surplus.

Mission

Non-profit, State-chartered, Natural Person Credit Union. Provide competitive financial services to the members of Printing Industries Credit Union.

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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 $335,222

Investment Income $59,801

Other Revenue $79,905

TOTAL REVENUE $474,928

Expense Breakdown

Grants Paid $0

Salaries & Benefits $175,733

Fundraising Expenses $0

Other Expenses $255,869

TOTAL EXPENSES $440,403

Year-over-Year Comparison

	2023	2022	Change
Revenue	$474,928	$1,714,727	-0.7%
Expenses	$440,403	$1,428,508	-0.7%
Net Income	$34,525	$286,219	-0.9%

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

$106,817

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Susan Conjurski	CEO/President	40.00	Officer	$66,631	$0	$66,631
Brenda Heusterberg	VP	40.00	Officer	$40,186	$0	$40,186
Jim Hahn	BD Chairman	1.00	Director	$0	$0	$0
Gregory Burks	SC SECRETARY	1.00	Director	$0	$0	$0
Lou Caron	BD Treasurer	1.00	Director	$0	$0	$0
David Tobman	BD Director	1.00	Director	$0	$0	$0
Frank Doughton	BD director	1.00	Director	$0	$0	$0
David Madison	Board Director	1.00	Director	$0	$0	$0
Robert Kreivis	SC Chairman	1.00	Director	$0	$0	$0
Karl Hicks	BD director	1.00	Director	$0	$0	$0
Richard Jacobs	Vice Chair	0.00	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	$474,928	$440,403	No data	$34,525
2022	$1,714,727	$1,428,508	$29,249,344	$286,219
2021	$1,654,752	$1,479,081	$31,913,112	$175,671
2020	$1,603,883	$1,358,414	$29,030,320	$245,469
2019	$1,727,292	$1,473,031	$24,193,091	$254,261
2018	$1,694,025	$1,442,776	$23,888,306	$251,249

Printing Industries Credit Union