FDIC INC (EIN 061444270) - 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

1950

Legal Domicile

Principal Officer

DEAN DELFRANCO SR

Phone

2032616131

Tax Period

2024-01-01 to 2024-12-31

FDIC INC, founded in 1950, is a micro nonprofit that reported $26K in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $34K exceeded revenue, resulting in a 31% operating deficit.

Mission

SOCIAL CLUB

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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 (2024)

Revenue Breakdown

Contributions & Grants $5,600

Program Service Revenue $0

Investment Income $18,559

Other Revenue $1,939

TOTAL REVENUE $26,098

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $34,141

TOTAL EXPENSES $34,141

Year-over-Year Comparison

	2024	2023	Change
Revenue	$26,098	$45,447	-0.4%
Expenses	$34,141	$36,039	-0.1%
Net Income	$-8,043	$9,408	-1.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WARD F GOWING	PRESIDENT	20.00	Director	$0	$0	$0
FRANK RAGO	VICE PRESIDENT	20.00	Director	$0	$0	$0
FRANK RAGO	TREASURER	5.00	Director	$0	$0	$0
ALEXANDER KOWAL	DIRECTOR	5.00	Director	$0	$0	$0
TY SHIMERHOME	DIRECTOR	5.00	Director	$0	$0	$0
FREDDIE TROVARELLA	SECRETARY	5.00	Director	$0	$0	$0
ROBERT VERRILLI	DIRECTOR	5.00	Director	$0	$0	$0
ADRIAN PRINCE	DIRECTOR	5.00	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
2024	$26,098	$34,141	$91,933	$-8,043
2023	$45,447	$36,039	$99,976	$9,408
2022	$50,351	$40,004	$90,568	$10,347
2021	$57,933	$26,734	$80,221	$31,199
2020	$80,852	$37,676	$49,022	$43,176

FDIC INC