FINANCIAL RESOURCES FCU FOUNDATION INC (EIN 208216512) - 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

2007

Legal Domicile

Principal Officer

STEPHEN MAVRICOS

Phone

9082536446

Tax Period

2025-01-01 to 2025-12-31

FINANCIAL RESOURCES FCU FOUNDATION INC, founded in 2007, is a small nonprofit in the Youth Development sector that reported $253K in total revenue in fiscal year 2025. Revenue surged 508% from the prior year, signaling strong growth momentum. The organization ran a surplus of $185K, a strong 73% operating margin.

Mission

THE CORPORATION (FOUNDATION) HAS BEEN ORGANIZED EXCLUSIVELY FOR THE CHARITABLE RELIGIOUS, AND SCIENTIFIC PURPOSES, WITHIN THE MEANING OF SECTIONS 501(3) AND 170(2) OF THE IRS CODE, INCLUDING, FOR SUCH PURPOSES, THE MAKING OF DISTRIBUTIONS TO ORGANIZATIONS UNDER SECTION 501(C)(3) OF THE IRS CODE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $276,663

Program Service Revenue $0

Investment Income $2,824

Other Revenue $-26,016

TOTAL REVENUE $253,471

Expense Breakdown

Grants Paid $65,010

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $65,010

Other Expenses $3,219

TOTAL EXPENSES $68,229

Year-over-Year Comparison

	2025	2024	Change
Revenue	$253,471	$41,674	+5.1%
Expenses	$68,229	$38,353	+0.8%
Net Income	$185,242	$3,321	+54.8%

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

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
FRANK ALMEIDA	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRIAN DEMCSAK	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
STEPHEN MAVRICOS	TREASURER	1.25	Officer Director	$0	$0	$0
BETH MOLINARO	SECRETARY	2.00	Officer Director	$0	$0	$0
CHARLES MAZZA	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS O'SULLIVAN	DIRECTOR	1.00	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
2025	$253,471	$68,229	$303,894	$185,242
2024	$41,674	$38,353	$118,652	$3,321
2023	$103,500	$49,879	$112,881	$53,621
2022	$51,094	$51,257	$64,935	$-163
2018	$23,661	$25,556	$44,701	$-1,895

FINANCIAL RESOURCES FCU FOUNDATION INC