WAWA EMPLOYEES' CREDIT UNION C/O FRANKLIN MINT FEDERAL CREDIT UNION (EIN 232017635) - 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

1976

Legal Domicile

Principal Officer

SARA DOUGHERTY

Phone

6103588030

Tax Period

2022-01-01 to 2022-05-31

WAWA EMPLOYEES' CREDIT UNION C/O FRANKLIN MINT FEDERAL CREDIT UNION, founded in 1976, is a small nonprofit that reported $248K in total revenue in fiscal year 2022. Revenue fell 61% from the prior year — a significant decline worth monitoring. Expenses of $234K left a modest 6% surplus.

Mission

OWNED AND OPERATED BY ITS' MEMBERS, WAWA EMPLOYEES' CREDIT UNION IS DEDICATED TO PROVIDING PERSONALIZED FINANCIAL SERVICES WITH INTEGRITY AND EFFICIENCY.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $198,028

Investment Income $28,283

Other Revenue $21,297

TOTAL REVENUE $247,608

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,000

Fundraising Expenses $0

Other Expenses $129,863

TOTAL EXPENSES $233,863

Year-over-Year Comparison

	2022	2021	Change
Revenue	$247,608	$640,768	-0.6%
Expenses	$233,863	$675,659	-0.7%
Net Income	$13,745	$-34,891	-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

Employees

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

$39,574

Total Directors

$39,574

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VONN VITAL	CHAIRMAN	1.00	Officer Director	$0	$0	$0
SARA DOUGHERTY	CEO/TREASURER	40.00	Officer Director	$37,474	$2,100	$39,574
MARTIN MAGER	SECRETARY	1.00	Officer Director	$0	$0	$0
CINNAMON BREIGHNER	DIRECTOR	1.00	Director	$0	$0	$0
SHARON GILMOUR	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE F GORDON	DIRECTOR	1.00	Director	$0	$0	$0
PHILLIP HORN	DIRECTOR	1.00	Director	$0	$0	$0
MARLYN WISNIESKI	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
2022	$247,608	$233,863	No data	$13,745
2021	$640,768	$675,659	$22,852,457	$-34,891
2020	$723,139	$707,216	$22,340,128	$15,923
2019	$848,657	$737,239	$18,564,056	$111,418
2018	$793,242	$684,069	$17,184,471	$109,173

WAWA EMPLOYEES' CREDIT UNION C/O FRANKLIN MINT FEDERAL CREDIT UNION