NORWALK HOSPITAL CREDIT UNION (EIN 060940464) - 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

1976

Legal Domicile

Principal Officer

DONALD ROBERTSON

Phone

2038522297

Tax Period

2025-01-01 to 2025-12-31

NORWALK HOSPITAL CREDIT UNION, founded in 1976, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Net assets of $2.9M represent 34 months of operating reserves.

Mission

WE PROVIDE FINANCIAL SERVICES FOR OUR 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 $485,708

Investment Income $525,358

Other Revenue $25,000

TOTAL REVENUE $1,036,066

Expense Breakdown

Grants Paid $0

Salaries & Benefits $302,345

Fundraising Expenses $0

Other Expenses $761,212

TOTAL EXPENSES $1,063,557

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,036,066	$901,152	+0.1%
Expenses	$1,063,557	$1,156,802	-0.1%
Net Income	$-27,491	$-255,650	-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

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

$64,528

Total Directors

$140,724

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONALD ROBERTSON	DIRECTOR/TREASURER/MANAGER	40.00	Officer Director	$64,528	$0	$64,528
PETER G ARAKELIAN	BOARD PRESIDENT	5.00	Officer Director	$0	$0	$0
LORI COURTNEY	DIRECTOR/OFFICE MANAGER	40.00	Director	$76,196	$0	$76,196
CANDACE MEADER	BOARD VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
JANET KAZZI-CABRERA	DIRECTOR	5.00	Director	$0	$0	$0
SHEILA ECKENRODE	BOARD SECRETARY	5.00	Officer 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	$1,036,066	$1,063,557	$32,342,106	$-27,491
2024	$901,152	$1,156,802	$33,869,348	$-255,650
2023	$1,024,110	$1,046,799	$36,347,153	$-22,689
2022	$1,079,391	$925,322	$40,150,955	$154,069
2021	$868,439	$893,665	$40,349,949	$-25,226
2020	$1,001,040	$1,131,975	$39,328,822	$-130,935
2019	$1,177,888	$1,151,281	$34,548,909	$26,607
2018	$1,148,976	$1,146,369	$35,058,064	$2,607

NORWALK HOSPITAL CREDIT UNION