CROATIAN FRATERNAL UNION OF AMERICA (EIN 250426430) - 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

1894

Legal Domicile

Principal Officer

Bernadette M Luketich-Sikaras

Phone

4128430380

Tax Period

2025-01-01 to 2025-12-31

CROATIAN FRATERNAL UNION OF AMERICA, founded in 1894, is a mid-sized nonprofit in the Human Services sector that reported $52.0M in total revenue in fiscal year 2025. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $46.3M left a modest 11% surplus.

Mission

Financial Services to Persons of Slavic Descent

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $24,420,012

Investment Income $27,489,703

Other Revenue $59,336

TOTAL REVENUE $51,969,051

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,439,410

Fundraising Expenses $0

Program Expenses $46,256,548

Other Expenses $3,388,131

TOTAL EXPENSES $46,256,548

Year-over-Year Comparison

	2025	2024	Change
Revenue	$51,969,051	$40,141,017	+0.3%
Expenses	$46,256,548	$36,642,253	+0.3%
Net Income	$5,712,503	$3,498,764	+0.6%

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

167

Independent Members

156

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

$626,571

Total Directors

$640,938

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Edward W Pazo	National President	35.00	Officer Director Highest	$353,259	$0	$353,259
Bernadette Luketich-Sikaras	National Secretary/Treasurer	35.00	Officer Director	$254,412	$0	$254,412
Franjo Bertovic	Executive Vice-President	35.00	Officer Director	$18,900	$0	$18,900
Daniel Kochis	Board Member	0.00	Director	$2,324	$0	$2,324
John Miksich	Board Member	0.00	Director	$2,083	$0	$2,083
Robert John Luketic	Board Member	0.00	Director	$1,246	$0	$1,246
Michael Ricci	Board Member	0.00	Director	$875	$0	$875
Wayne Paul Vlasic	Board Member	0.00	Director	$1,579	$0	$1,579
Edward N Sambol	Board Member	0.00	Director	$1,935	$0	$1,935
Ruth Anne Sepich	Board Member	0.00	Director	$2,053	$0	$2,053
John Staresinic	Board Member	0.00	Director	$2,272	$0	$2,272

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	$51,969,051	$46,256,548	$514,224,865	$5,712,503
2024	No data	No data	No data	No data
2023	$47,619,421	$47,406,861	$505,834,476	$212,560
2022	$41,922,282	$39,657,929	$512,420,200	$2,264,353
2021	$49,525,633	$43,412,220	$510,702,838	$6,113,413
2020	$44,626,295	$42,765,374	$494,682,386	$1,860,921
2019	$55,950,834	$52,007,034	$491,289,083	$3,943,800
2018	$55,845,891	$52,754,916	$488,322,147	$3,090,975

CROATIAN FRATERNAL UNION OF AMERICA