STAMFORD HEALTHCARE CREDIT UNION INC

EIN: 060991086

STAMFORD, CT

Total Revenue
$1,027,359
Total Expenses
$866,427
Total Assets
$23,368,579
Net Assets
$2,831,830
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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
CT
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.

Program Service Accomplishments

Program 1

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%)

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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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Governance

Voting Members
7
Independent Members
6
Employees
6
Volunteers
7

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
10
$157,000
Total Directors
1
$157,000
Key Employees
0
$0
Highest Compensated
0
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
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