ST VINCENT HOSPITAL CREDIT UNION

EIN: 237304773

WORCESTER, MA

Total Revenue
$586,638
Total Expenses
$574,934
Total Assets
$12,742,994
Net Assets
$1,203,861
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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
MA
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

ST. VINCENT HOSPITAL CREDIT UNION IS A FINANCIAL INSTITUTION OWNED BY AND OPERATED FOR THE BENEFIT OF ITS MEMBERS. THE MISSION OF SVHCU IS TO PROVIDE FINANCIAL SERVICES AND PRODUCTS DESIRED AND NEEDED BY ITS MEMBERS

Program Service Accomplishments

Program 1
Expenses: $574,934 Revenue: $586,638

PROVIDE FINANCIAL 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%)

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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

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Governance

Voting Members
11
Independent Members
10
Employees
4
Volunteers
8

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
4
$58,836
Total Directors
11
$58,836
Key Employees
0
$0
Highest Compensated
0
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
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