NEW YORK STATE CHARTERED CREDIT UNION BRANCH 6000 (EIN 112516837) - 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

1973

Legal Domicile

Principal Officer

JAMES TUTHILL

Phone

5163363156

Tax Period

2023-01-01 to 2023-12-31

NEW YORK STATE CHARTERED CREDIT UNION BRANCH 6000, founded in 1973, is a small nonprofit that reported $398K in total revenue in fiscal year 2023. Expenses of $580K exceeded revenue, resulting in a 46% operating deficit.

Mission

STATE CHARTERED CREDIT UNION FOR LETTER CARRIERS

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $347,694

Investment Income $29,811

Other Revenue $20,847

TOTAL REVENUE $398,352

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,872

Fundraising Expenses $0

Program Expenses $580,120

Other Expenses $433,248

TOTAL EXPENSES $580,120

Year-over-Year Comparison

	2023	2022	Change
Revenue	$398,352	$396,883	+0.0%
Expenses	$580,120	$667,612	-0.1%
Net Income	$-181,768	$-270,729	-0.3%

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

$25,197

Total Directors

$64,179

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROGER SMITH	TREASURER	40.00	Director	$61,979	$0	$61,979
BRIAN BRIES	ASST TREASURER	2.00	Officer	$18,517	$0	$18,517
ROBERT GRAF	LOAN OFFICER	15.00	Director	$2,200	$0	$2,200
SEAN KILLEEN	LOAN OFFICER	2.00	Officer	$2,200	$0	$2,200
JOHN CRONIN	PRESIDENT	1.00	Officer	$0	$0	$0
JAMES TUTHILL	SUPERVISORY COMMITTEE CHAIR	3.00	Officer	$0	$0	$4,480

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
2023	$398,352	$580,120	$7,867,108	$-181,768
2022	$396,883	$667,612	$9,026,365	$-270,729
2021	$496,705	$461,135	$9,740,482	$35,570
2020	$355,268	$399,154	$9,016,098	$-43,886
2019	$446,013	$463,736	$8,208,100	$-17,723
2018	$429,169	$399,533	$8,717,799	$29,636

NEW YORK STATE CHARTERED CREDIT UNION BRANCH 6000