ESL FEDERAL CREDIT UNION VOLUNTARY EMPLOYEES BENEFICIARY ASSOCIATION (EIN 161493650) - 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

1997

Legal Domicile

Principal Officer

ARLINE L SANTIAGO

Phone

5853361000

Tax Period

2023-01-01 to 2023-12-31

ESL FEDERAL CREDIT UNION VOLUNTARY EMPLOYEES BENEFICIARY ASSOCIATION, founded in 1997, is a small nonprofit in the Mutual Benefit sector that reported $414K in total revenue in fiscal year 2023. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $95K, a strong 23% operating margin.

Mission

TO PROVIDE HEALTH AND WELFARE BENEFITS TO PARTICIPANTS

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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 $0

Investment Income $413,644

Other Revenue $0

TOTAL REVENUE $413,644

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $318,656

Other Expenses $5,286

TOTAL EXPENSES $318,656

Year-over-Year Comparison

	2023	2022	Change
Revenue	$413,644	$297,809	+0.4%
Expenses	$318,656	$300,449	+0.1%
Net Income	$94,988	$-2,640	-37.0%

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

N/A

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
N/A	TRUSTEE	1.00		$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
2024	No data	No data	No data	No data
2023	$413,644	$318,656	$7,690,382	$94,988
2022	$297,809	$300,449	$6,997,236	$-2,640
2021	$719,511	$288,826	$8,232,884	$430,685
2020	$218,722	$283,546	$7,593,642	$-64,824
2019	$353,793	$328,459	$6,993,811	$25,334
2018	$297,336	$253,748	$6,175,968	$43,588

ESL FEDERAL CREDIT UNION VOLUNTARY EMPLOYEES BENEFICIARY ASSOCIATION