ST VINCENT HOSPITAL CREDIT UNION (EIN 237304773) - 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

1973

Legal Domicile

Principal Officer

WILLIAM W GEORGE

Phone

5083639339

Tax Period

2019-01-01 to 2019-12-31

ST VINCENT HOSPITAL CREDIT UNION, founded in 1973, is a small nonprofit that reported $587K in total revenue in fiscal year 2019. Net assets of $1.2M represent 25 months of operating reserves.

Mission

CREDIT UNION SERVICES TO 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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $586,638

Investment Income $0

Other Revenue $0

TOTAL REVENUE $586,638

Expense Breakdown

Grants Paid $0

Salaries & Benefits $281,322

Fundraising Expenses $0

Program Expenses $574,934

Other Expenses $293,612

TOTAL EXPENSES $574,934

Year-over-Year Comparison

	2019	2018	Change
Revenue	$586,638	$575,445	+0.0%
Expenses	$574,934	$559,242	+0.0%
Net Income	$11,704	$16,203	-0.3%

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

$58,836

Total Directors

$58,836

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANGELO MIRABILE	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA WRIGHT	CO-CHAIR	1.00	Officer Director	$0	$0	$0
THERESE MONETTE	CLERK	1.00	Officer Director	$0	$0	$0
NANCY BURBANK	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN CARAVELLA	CHAIRMAN	1.00	Officer Director	$0	$0	$0
DEBORAH FAHEY	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE MERCER	DIRECTOR	1.00	Director	$0	$0	$0
MARCIA MATS	DIRECTOR	1.00	Director	$0	$0	$0
NANCY SWETT	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT WIEDEMAN	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM W GEORGE	TREASURER	20.00	Officer Director	$58,836	$0	$58,836

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
2019	$586,638	$574,934	$12,742,994	$11,704
2018	$575,445	$559,242	$12,586,511	$16,203

ST VINCENT HOSPITAL CREDIT UNION