SPOJNIA CREDIT UNION (EIN 237429891) - 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

Principal Officer

JOHN C ANDRZEJEWSKI III

Phone

5703441513

Tax Period

2023-01-01 to 2023-12-31

SPOJNIA CREDIT UNION is a small nonprofit in the Public & Societal Benefit sector that reported $477K in total revenue in fiscal year 2023. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $444K left a modest 7% surplus.

Mission

TO PROVIDE CO-OPERATIVE FINANCIAL SERVICES TO THEIR 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $360,238

Investment Income $116,296

Other Revenue $0

TOTAL REVENUE $476,534

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,403

Fundraising Expenses $0

Other Expenses $314,372

TOTAL EXPENSES $444,170

Year-over-Year Comparison

	2023	2022	Change
Revenue	$476,534	$372,433	+0.3%
Expenses	$444,170	$303,019	+0.5%
Net Income	$32,364	$69,414	-0.5%

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

N/A

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

$9,240

Total Directors

$7,900

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN C ANDRZEJEWSKI III	TREASURER	10.00	Officer Director	$2,240	$0	$2,240
JAN CWIKLA	PRESIDENT	10.00	Officer Director	$1,640	$0	$1,640
KATHERINE GNAT	DIRECTOR	5.00	Officer Director	$1,340	$0	$1,340
JACEK GROTNIK	VICE PRESIDE	5.00	Officer Director	$1,340	$0	$1,340
JOAN SCHEUNEMAN	SECRETARY	5.00	Officer Director	$1,340	$0	$1,340
SANDRA REED	MANAGER	20.00	Officer	$1,340	$0	$1,340

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	$476,534	$444,170	$14,131,559	$32,364
2022	$372,433	$303,019	$14,770,302	$69,414
2021	$341,909	$331,640	$15,054,981	$10,269
2020	$398,422	$380,164	$14,121,118	$18,258
2019	$379,753	$395,960	$13,545,277	$-16,207
2018	$349,407	$420,862	$12,832,993	$-71,455

SPOJNIA CREDIT UNION