CROATIAN FRATERNAL UNION OF AMERICA LODGE #5 (EIN 250426455) - 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

1904

Legal Domicile

Principal Officer

STEPHEN M GOJMERAC

Phone

8145363765

Tax Period

2024-01-01 to 2024-12-31

CROATIAN FRATERNAL UNION OF AMERICA LODGE #5, founded in 1904, is a small nonprofit that reported $360K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $185K, a strong 52% operating margin.

Mission

SOCIAL CLUB FOR 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 (2024)

Revenue Breakdown

Contributions & Grants $10,159

Program Service Revenue $0

Investment Income $9,896

Other Revenue $339,796

TOTAL REVENUE $359,851

Expense Breakdown

Grants Paid $0

Salaries & Benefits $58,827

Fundraising Expenses $0

Program Expenses $172,611

Other Expenses $107,452

TOTAL EXPENSES $174,416

Year-over-Year Comparison

	2024	2023	Change
Revenue	$359,851	$325,513	+0.1%
Expenses	$174,416	$153,390	+0.1%
Net Income	$185,435	$172,123	+0.1%

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

$33,085

Total Directors

$1,798

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE GOMERJAC	VICE PRESIDENT	040.00	Officer	$23,940	$0	$23,940
STEPHEN GOJMERAC JR	PRESIDENT	000.50	Officer	$3,490	$0	$3,490
DAVID ZIERER	CLUB MANAGER	040.00	Officer	$3,090	$0	$3,090
PATRICIA RESPET	FINANCIAL SECRETARY	000.50	Officer	$2,565	$0	$2,565
MARY VOYTKO	AUDITOR	000.50	Director	$1,798	$0	$1,798
LOUIS RESPET	TRESURER	000.50	Officer	$0	$0	$0
CAROL BOOTH	RECORDING SECRETARY	000.50	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	$359,851	$174,416	$1,156,634	$185,435
2023	$325,513	$153,390	$971,199	$172,123
2023	$325,513	$153,390	$971,199	$172,123
2022	$285,414	$166,274	$793,074	$119,140
2021	$182,211	$142,100	$673,934	$40,111
2020	$80,935	$118,764	$633,823	$-37,829
2019	$253,448	$161,206	$671,652	$92,242
2019	$253,448	$161,206	$671,652	$92,242
2018	$228,870	$142,476	$579,410	$86,394

CROATIAN FRATERNAL UNION OF AMERICA LODGE #5