CROATIAN FRATERNAL UNION OF AMERICA SVETO TROJSTVO LODGE 146 (EIN 250908706) - 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

JANET M DANKO

Phone

4127516261

Tax Period

2025-01-01 to 2025-12-31

CROATIAN FRATERNAL UNION OF AMERICA SVETO TROJSTVO LODGE 146 is a small nonprofit that reported $117K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. Expenses of $130K exceeded revenue, resulting in a 11% operating deficit.

Mission

FRATERNAL ACTIVITIES SCHOLARSHIPSSPORTING EVENTS

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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 $3,250

Investment Income $1,594

Other Revenue $111,875

TOTAL REVENUE $116,719

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,869

Fundraising Expenses $0

Other Expenses $74,053

TOTAL EXPENSES $129,922

Year-over-Year Comparison

	2025	2024	Change
Revenue	$116,719	$136,718	-0.1%
Expenses	$129,922	$138,663	-0.1%
Net Income	$-13,203	$-1,945	+5.8%

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

$26,428

Total Directors

$26,428

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRANDI PECORA	Vice President	30.00	Officer Director	$18,720	$0	$18,720
JANET M DANKO	Treasurer	16.00	Officer Director	$7,708	$0	$7,708
EDWARD POTURICH	President	10.00	Officer Director	$0	$0	$0
MELANIE HAUDENSHILED	PRESIDENT OF TR	2.00	Director	$0	$0	$0
BETH STEELE	JR NEST MANAGER	2.00	Director	$0	$0	$0
RACHEL POTURICH	REC SECRETARY	4.00	Director	$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
2025	$116,719	$129,922	$883,537	$-13,203
2024	No data	No data	No data	No data
2023	$122,172	$123,639	$898,985	$-1,467
2022	$118,828	$124,114	$901,226	$-5,286
2021	$109,475	$131,693	$906,332	$-22,218
2020	$89,957	$112,601	$928,747	$-22,644

CROATIAN FRATERNAL UNION OF AMERICA SVETO TROJSTVO LODGE 146