INDEPENDENT STATE STORE UNION

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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

1947

Legal Domicile

Principal Officer

JOSEPH FECHO

Phone

7172342568

Tax Period

2024-09-01 to 2025-08-31

INDEPENDENT STATE STORE UNION, founded in 1947, is a small nonprofit that reported $371K in total revenue in fiscal year 2024. The organization ran a surplus of $60K, a strong 16% operating margin.

Mission

TO PROMOTE AN AMIABLE RELATIONSHIP BETWEEN THE COMMONWEALTH OF PENNSYLVANIA AND THE INDEPENDENT STATE STORE UNION AND ITS MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $276,086 Revenue: $324,905

TO PROMOTE AN AMIABLE RELATIONSHIP BETWEEN THE COMMONWEALTH OF PENNSYLVANIA AND THE INDEPENDENT STATE STORE UNION AND ITS MEMBERS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $324,905

Investment Income $35,051

Other Revenue $10,588

TOTAL REVENUE $370,544

Expense Breakdown

Grants Paid $0

Salaries & Benefits $117,684

Fundraising Expenses $0

Program Expenses $276,086

Other Expenses $193,341

TOTAL EXPENSES $311,025

Year-over-Year Comparison

	2024	2023	Change
Revenue	$370,544	$343,725	+0.1%
Expenses	$311,025	$334,486	-0.1%
Net Income	$59,519	$9,239	+5.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL TROYAN	PRESIDENT	5.00	Officer Director	$0	$0	$0
JESSICA NEWMAN	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
JOSEPH FECHO	TREASURER	5.00	Officer Director	$0	$0	$0
ROBERT SWAIM	DIRECTOR	5.00	Director	$0	$0	$0
AARON WHITAKER	DIRECTOR	5.00	Director	$0	$0	$0
BARBARA THEIS	DIRECTOR	5.00	Director	$0	$0	$0
ERIN SZABO	DIRECTOR	5.00	Director	$0	$0	$0
MICHAEL HUESTON	DIRECTOR	5.00	Director	$0	$0	$0
BRITTANY MILLER	DIRECTOR	5.00	Director	$0	$0	$0
CHRISTOPER WENKO	DIRECTOR	5.00	Director	$0	$0	$0
ANDREW WILLIS	DIRECTOR	5.00	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	$370,544	$311,025	$839,231	$59,519
2024	$343,725	$334,486	$763,424	$9,239
2023	$333,773	$295,280	$705,118	$38,493
2022	$320,291	$298,658	$645,032	$21,633
2021	$316,164	$261,380	$741,496	$54,784
2020	$292,358	$300,918	$615,974	$-8,560
2019	$308,101	$372,209	$610,196	$-64,108
2018	$382,824	$357,281	$674,553	$25,543