WCHR SECURITIES INC (EIN 043238757) - 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

1994

Legal Domicile

Principal Officer

GEORGE COX

Phone

5087990322

Tax Period

2018-01-01 to 2018-12-31

Mission

FUNDS ARE LOANED TO QUALIFIED INDIVIDUALS AND SMALL BUSINESS IN WORCESTER COUNTY FOR HOUSING REHAB. AND BUSINESS DEVELOPMENT.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2018	2017	Change
Revenue	N/A	$127,548	-1.0%
Expenses	N/A	$42,901	-1.0%
Net Income	N/A	$84,647	N/A

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

N/A

Volunteers

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES HAYES	PRESIDENT	1.00	Officer Director	$0	$0	$0
ELIZABETH SANNING	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LYNDA MONAHAN	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL STRNISTE	CLERK	1.00	Officer Director	$0	$0	$0
KAREN CARREIRO	DIRECTOR	1.00	Director	$0	$0	$0
JOHN FOLEY	DIRECTOR	1.00	Director	$0	$0	$0
GARY MACCONNELL	DIRECTOR	1.00	Director	$0	$0	$0
KENNETH MUDIE	DIRECTOR	1.00	Director	$0	$0	$0
KEITH NISBET	DIRECTOR	1.00	Director	$0	$0	$0
DONNA SALVIDIO	DIRECTOR	1.00	Director	$0	$0	$0
KWASI SARPONG	DIRECTOR	1.00	Director	$0	$0	$0
CLARA SAVAGE	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL COMISKEY	DIRECTOR	1.00	Director	$0	$0	$0
INDREK BUTTNER	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY GRINHAM	DIRECTOR	1.00	Director	$0	$0	$0
JILL DUPREE	DIRECTOR	1.00	Director	$0	$0	$0
ARLETTE LYNCH	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE COX	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN GROCCIA	DIRECTOR	1.00	Director	$0	$0	$0
JANE LORANGER	DIRECTOR	1.00	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
2025	No data	No data	No data	No data
2018	No data	No data	No data	No data

WCHR SECURITIES INC