REGIONAL WATER AUTHORITY EMPLOYEES CREDIT UNION INC (EIN 060724181) - 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

1955

Legal Domicile

Principal Officer

SARAH BOCHICCHIO

Phone

2034012750

Tax Period

2025-01-01 to 2025-12-31

REGIONAL WATER AUTHORITY EMPLOYEES CREDIT UNION INC, founded in 1955, is a small nonprofit that reported $176K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Net assets of $613K represent 42 months of operating reserves.

Mission

PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $74,417

Investment Income $101,387

Other Revenue $0

TOTAL REVENUE $175,804

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,860

Fundraising Expenses $0

Other Expenses $32,349

TOTAL EXPENSES $175,533

Year-over-Year Comparison

	2025	2024	Change
Revenue	$175,804	$156,040	+0.1%
Expenses	$175,533	$155,906	+0.1%
Net Income	$271	$134	+1.0%

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

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

$49,020

Total Directors

$21,240

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICKI LAWSON	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINA GAGNE	SECRETARY	15.00	Director	$21,240	$0	$21,240
MARCEL PIEKARSKI	CHAIRPERSON	1.00	Officer	$0	$0	$0
SARAH BOCHICCHIO	CEO-MANAGER	30.00	Officer	$49,020	$0	$49,020

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	$175,804	$175,533	$5,726,731	$271
2024	$156,040	$155,906	$6,069,408	$134
2023	$141,227	$140,999	$6,569,342	$228
2022	$132,391	$132,050	$7,051,536	$341
2021	$110,211	$109,923	$6,844,413	$288
2020	$142,048	$141,603	$6,498,699	$445

REGIONAL WATER AUTHORITY EMPLOYEES CREDIT UNION INC