Postal & Community Credit Union
Nonprofit profile at a glance
- EIN
- 431546494
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- St. Joseph, MO, US
- Phone
- 816-279-5656
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $5,008,167
- Expenses
- $4,040,031
- Assets
- $91,304,695
- Liabilities
- $82,475,153
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
11 people listed
Executive titles in this filing
- TINA RYAN (PRESIDENT)
Highest reported compensation
- LESLIE DAVIES (VP-LENDING): $108,712 total reported compensation
- TINA RYAN (PRESIDENT): $106,113 total reported compensation
- SARA MEARS (VP-ACCOUNTING): $68,535 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Postal and Community Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals.
What it reported doing in 2025
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2025, there were 3,570 loans outstanding totaling $67,360,465.
Operating model
- Revenue model
- Earned-program. 84% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 68
- Sustainability: 67
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 2 of 9 controls in place; rating input score 22
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 19.3%; rating input score 71; 71st percentile among comparable filings
- Total-asset coverage ratio: 22.6; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 4; 4th percentile among comparable filings
- Officer compensation ratio: 8.3%; rating input score 39; 39th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 7.4% per year; rating input score 100; 54th percentile among comparable filings
- Asset growth: 6.6% per year; rating input score 100; 41st percentile among comparable filings
Details
- What they do: 2 programs and campaigns described on the official site · 2 operating locations identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 2 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $109K · 11 people listed
- Consistency: 10 of 10 current checks pass
- Schedules: 3 filed schedules
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 4 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Accountability: Governance controls: 6 of 8 not reported.
- High — Sustainability: Liabilities to assets ratio scored 4/100.
- Moderate — Sustainability: Officer compensation ratio scored 39/100.