Div 819 Transit Employees CU

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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

1945

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Div 819 Transit Employees CU, founded in 1945, is a small nonprofit that reported $770K in total revenue in fiscal year 2023. Expenses of $745K left a modest 3% surplus.

Mission

To provide savings accounts and loans to New Jersey Transit Union Members and their families.

Program Service Accomplishments

Program 1

Expenses: $745,344 Revenue: $770,134

Provided savings account and loans to New Jersey Transit Union Members and their families.

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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 $662,069

Investment Income $108,064

Other Revenue $0

TOTAL REVENUE $770,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $260,329

Fundraising Expenses $0

Program Expenses $745,344

Other Expenses $485,015

TOTAL EXPENSES $745,344

Year-over-Year Comparison

	2023	2022	Change
Revenue	$770,133	$735,205	+0.0%
Expenses	$745,344	$800,333	-0.1%
Net Income	$24,789	$-65,128	-1.4%

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

$33,540

Total Directors

$27,170

Key Employees

$173,491

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Shirley King	Manager	35.00	Key Emp	$70,931	$0	$70,931
Gloria Rivera	Assistant Manager	35.00	Key Emp	$55,866	$0	$55,866
Alexandria Burroughs	Teller	35.00	Key Emp	$46,694	$0	$46,694
Orlando Riley	Chairman	10.00	Officer	$18,000	$0	$18,000
Clarise Tabron	Financial Secretary	10.00	Officer	$8,400	$0	$8,400
Veronica Cobb	Director	2.00	Officer	$7,140	$0	$7,140
Sakinah Ligon	Director	2.00	Director	$6,560	$0	$6,560
Kenytta Johnson	Director	2.00	Director	$6,200	$0	$6,200
Darrell Lampley	Director	2.00	Director	$6,200	$0	$6,200
Jermaine Batemon	Director	2.00	Director	$6,200	$0	$6,200
Lakisha Ewell	Supervisory Comm	2.00	Director	$1,206	$0	$1,206
Darina Washington	Committee Member	2.00	Director	$603	$0	$603
Lysandra Mimy	Committee Mbr	2.00	Director	$201	$0	$201

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	$770,133	$745,344	$15,096,404	$24,789
2022	$735,205	$800,333	$17,627,058	$-65,128
2021	$825,283	$765,066	$21,662,700	$60,217
2020	$822,696	$666,432	$19,131,237	$156,264
2019	$686,690	$615,667	$15,002,155	$71,023
2018	$821,866	$641,859	$16,596,663	$180,007