Charleroi Co-Operative Association (EIN 202308653) - 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

1912

Legal Domicile

Principal Officer

George Maund

Phone

7244894809

Tax Period

2020-01-01 to 2020-12-31

Charleroi Co-Operative Association, founded in 1912, is a small nonprofit that reported $108K in total revenue in fiscal year 2020. Revenue fell 49% from the prior year — a significant decline worth monitoring. Net assets of $340K represent 38 months of operating reserves.

Mission

The primary purpose is to have an establishment for community members, regardless of ethnic background, to gather for social and recreational purposes, donating to community, building a sense of pride.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $103,771

Investment Income $778

Other Revenue $3,600

TOTAL REVENUE $108,149

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $111,555

TOTAL EXPENSES $111,555

Year-over-Year Comparison

	2020	2019	Change
Revenue	$108,149	$211,127	-0.5%
Expenses	$111,555	$191,626	-0.4%
Net Income	$-3,406	$19,501	-1.2%

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
Alan Maund President	701 11th St., Charleroi,PA 15022	3.00	Officer	$0	$0	$0
Timothy Karlowsky Vice Pres	211 Meadow Avenue, Charleroi, PA 15022	3.00	Officer	$0	$0	$0
Logan Karlowsky Secretary	211 Meadow Avenue, Charleroi, PA 15022	3.00	Officer	$0	$0	$0
George Maund Treasurer	8 Cabin Drive, Charleroi, PA 15022	3.00	Officer	$0	$0	$0
Jeff Black Auditor	316 Center Avenue, Charleroi, PA 15022	3.00	Officer	$0	$0	$0
Lew Farkas Auditor	1117 2nd St,Charleroi, PA 15022	3.00	Officer	$0	$0	$0
Comer Bentz Guard	452 Olive Ave. Lock 4, Charleroi, PA 15022	3.00	Officer	$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
2020	$108,149	$111,555	$339,851	$-3,406
2019	$211,127	$191,626	$343,257	$19,501
2018	$195,302	$181,676	$305,799	$13,626

Charleroi Co-Operative Association