Norton Troy Employees Credit Union (EIN 140496597) - 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

1939

Legal Domicile

Principal Officer

Robert Stewart

Phone

5182672481

Tax Period

2021-01-01 to 2021-12-31

Norton Troy Employees Credit Union, founded in 1939, is a micro nonprofit that reported $47K in total revenue in fiscal year 2021. Revenue fell 64% from the prior year — a significant decline worth monitoring. Expenses of $115K exceeded revenue, resulting in a 144% operating deficit.

Mission

Supporting the Employees of St Gobain and Retirees of St Gobain, Norton & Nashua Companies

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $46,589

Other Revenue $337

TOTAL REVENUE $46,926

Expense Breakdown

Grants Paid $0

Salaries & Benefits $88,045

Fundraising Expenses $0

Program Expenses $114,649

Other Expenses $22,537

TOTAL EXPENSES $114,649

Year-over-Year Comparison

	2021	2020	Change
Revenue	$46,926	$131,111	-0.6%
Expenses	$114,649	$168,426	-0.3%
Net Income	$-67,723	$-37,315	+0.8%

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

N/A

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

Total Directors

$2,991

Key Employees

$77,032

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joan Theilmann	Manager	35	Key Emp Highest	$42,082	$0	$42,082
Stacey Drabik	Assistant Manager	35	Key Emp	$29,222	$0	$29,222
Nancy OMalley	Accounting Manager	12	Key Emp	$5,728	$0	$5,728
Robert Goyer	Secretary	20	Director	$2,991	$0	$2,991
Robert Stewart	Chairman	6	Director	$0	$0	$0
Roderick Cripps	Vice Chairman	10	Director	$0	$0	$0
John Goyer	Supervisory Committee	6	Director	$0	$0	$0
Richard Hennessey	Supervisory Committee	6	Director	$0	$0	$0
John Fecura	Supervisory Committe	6	Director	$0	$0	$0
Brian Skiba	Supervisory Committee	6	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
2021	$46,926	$114,649	$5,112,526	$-67,723
2020	$131,111	$168,426	$5,346,954	$-37,315

Norton Troy Employees Credit Union