Croatian Fraternal Union of America 351 Lodge Zora (EIN 237130269) - 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

1906

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Croatian Fraternal Union of America 351 Lodge Zora, founded in 1906, is a micro nonprofit that reported $51K in total revenue in fiscal year 2023. Expenses of $75K exceeded revenue, resulting in a 49% operating deficit.

Mission

To support and promote various croatian activities.

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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 $8,665

Program Service Revenue $0

Investment Income $0

Other Revenue $42,094

TOTAL REVENUE $50,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,161

Fundraising Expenses $0

Program Expenses $6,161

Other Expenses $69,232

TOTAL EXPENSES $75,393

Year-over-Year Comparison

	2023	2022	Change
Revenue	$50,759	$49,756	+0.0%
Expenses	$75,393	$43,616	+0.7%
Net Income	$-24,634	$6,140	-5.0%

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

$3,600

Total Directors

$3,760

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Richard Chovich	Club Manager	1.00	Director	$1,800	$0	$1,800
Mark Zatezalo	Treasurer	1.00	Officer	$1,800	$0	$1,800
Margaret Chovich	Recording Secretary	1.00	Officer	$1,800	$0	$1,800
Sherly Zatezalo	Lodge Secretary	1.00	Director	$600	$0	$600
Kathleen Thiel	Nest Manager	1.00	Director	$240	$0	$240
Daniel Majhan	Trustee President	1.00	Director	$200	$0	$200
Garrett Slank	Sports Director	1.00	Director	$200	$0	$200
Ryan Chovich	Trustee	1.00	Director	$120	$0	$120
Colton Slank	Trustee	1.00	Director	$120	$0	$120
Violet Cunko	Trustee	1.00	Director	$120	$0	$120
Mary Chovich	Trustee	1.00	Director	$120	$0	$120
Cathy Boley	Trustee Secretary	1.00	Director	$120	$0	$120
Jeanna Cooper	Trustee	1.00	Director	$120	$0	$120
Mary Guracech	Vice President	1.00	Officer	$0	$0	$0
Blake Toller	President	1.00	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
2023	$50,759	$75,393	$837,762	$-24,634
2022	$49,756	$43,616	$862,396	$6,140
2021	$58,096	$33,132	$856,256	$24,964
2020	$42,478	$37,039	$831,292	$5,439
2019	$52,739	$36,396	$825,853	$16,343
2018	$46,970	$56,608	$809,510	$-9,638

Croatian Fraternal Union of America 351 Lodge Zora