STAMFORD HEALTHCARE CREDIT UNION INC (EIN 060991086) - 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

1978

Legal Domicile

Phone

2035767519

Tax Period

2025-01-01 to 2025-12-31

STAMFORD HEALTHCARE CREDIT UNION INC, founded in 1978, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $161K, a strong 16% operating margin.

Mission

TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS IN AN EQUITABLE MANNER WITHOUT REGARD TO EMPLOYMENT STATUS, ETHNIC BACKGROUND OR FINANCIAL WORTH.

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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 $0

Investment Income $719,591

Other Revenue $307,768

TOTAL REVENUE $1,027,359

Expense Breakdown

Grants Paid $0

Salaries & Benefits $485,323

Fundraising Expenses $0

Other Expenses $381,104

TOTAL EXPENSES $866,427

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,027,359	$907,039	+0.1%
Expenses	$866,427	$814,731	+0.1%
Net Income	$160,932	$92,308	+0.7%

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

$157,000

Total Directors

$157,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSE COSCARELLI-CURTIS	CEO & TREASURER	50.00	Officer Director	$157,000	$0	$157,000
ROBERT SALVI	CHAIRPERSON	10.00	Officer	$0	$0	$0
A RICK CASTIGLIONE	VICE CHAIRPERSON	10.00	Officer	$0	$0	$0
CLARA GRANDE	SECRETARY	10.00	Officer	$0	$0	$0
MARY JUDGE	BOARD MEMBER	10.00	Officer	$0	$0	$0
IVETTE VALLEJO-MENDEZ	BOARD MEMBER	10.00	Officer	$0	$0	$0
CHRISTIANO BASILE	BOARD MEMBER	10.00	Officer	$0	$0	$0
DANIELLE PIMPINELLA	SUPERVISORY MEMBER	10.00	Officer	$0	$0	$0
JOANNE CESARIO	SUPERVISORY MEMBER	10.00	Officer	$0	$0	$0
ANN MCELROY	SUPERVISORY MEMBER	10.00	Officer	$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	$1,027,359	$866,427	$23,368,579	$160,932
2024	$907,039	$814,731	$23,929,943	$92,308
2023	$926,975	$810,487	$24,364,283	$116,488
2022	$954,551	$788,018	$25,066,800	$166,533
2021	$783,160	$742,893	$25,278,635	$40,267
2020	$815,995	$784,475	$22,568,308	$31,520
2019	$944,632	$784,748	$18,650,585	$159,884
2018	$922,091	$785,792	$18,999,056	$136,299

STAMFORD HEALTHCARE CREDIT UNION INC