POLISH UNION OF AMERICA INC

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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

1915

Legal Domicile

Principal Officer

JAMES P JOZWIAK

Phone

7166770220

Tax Period

2018-01-01 to 2018-12-31

POLISH UNION OF AMERICA INC, founded in 1915, is a micro nonprofit that reported $8K in total revenue in fiscal year 2018. Revenue fell 46% from the prior year — a significant decline worth monitoring. Expenses of $10K exceeded revenue, resulting in a 32% operating deficit.

Mission

THE ORGANIZATION IS A FRATERNAL BENEFITS SOCIETY. ITS PRIMARY MISSION IS TO OFFER LIFE INSURANCE AND ANNUITY CONTRACTS TO ITS MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $10,275 Revenue: $4,392

THE SOCIETY OFFERS LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS TO ITS MEMBERS.

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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 (2018)

Revenue Breakdown

Contributions & Grants $3,382

Program Service Revenue $4,392

Investment Income $0

Other Revenue $0

TOTAL REVENUE $7,774

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,671

Fundraising Expenses $0

Program Expenses $10,275

Other Expenses $8,604

TOTAL EXPENSES $10,275

Year-over-Year Comparison

	2018	2017	Change
Revenue	$7,774	$14,317	-0.5%
Expenses	$10,275	$46,751	-0.8%
Net Income	$-2,501	$-32,434	-0.9%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES P JOZWIAK	NATIONAL PRE	15.00	Officer Director	$0	$0	$0
BRANDON M MACHAJEWSKI	NATIONAL DIR	2.00	Director	$0	$0	$0
NORBERT RATAJCZYK	NATIONAL DIR	2.00	Director	$0	$0	$0
REV MATT F NYCZ	NATIONAL CHA	2.00	Director	$0	$0	$0
JAMES A CLARKE	NAT DIR/CONT	4.00	Director	$0	$0	$0
EUGENIA A HALADY	FIRST VP/SEC	2.00	Officer Director	$0	$0	$0
RICHARD J STRECK	NATIONAL DIR	2.00	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
2018	$7,774	$10,275	$70,634	$-2,501
2017	$14,317	$46,751	$70,346	$-32,434