PA HealthCare Credit Union (EIN 251243289) - 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

1973

Legal Domicile

Principal Officer

Shirley Hites

Phone

4127497099

Tax Period

2021-01-01 to 2021-12-31

PA HealthCare Credit Union, founded in 1973, is a small nonprofit that reported $528K in total revenue in fiscal year 2021. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $638K exceeded revenue, resulting in a 21% operating deficit.

Mission

TO PROVIDE MEMBERS WITH FINANCIAL LOAN CREDIT AND INTEREST ON SAVINGS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $209,482

Investment Income $144,420

Other Revenue $173,889

TOTAL REVENUE $527,791

Expense Breakdown

Grants Paid $0

Salaries & Benefits $269,202

Fundraising Expenses $0

Program Expenses $638,453

Other Expenses $369,251

TOTAL EXPENSES $638,453

Year-over-Year Comparison

	2021	2020	Change
Revenue	$527,791	$671,372	-0.2%
Expenses	$638,453	$633,197	+0.0%
Net Income	$-110,662	$38,175	-3.9%

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

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

$79,758

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHIRLEY HITES	VP OPERATIONS	40	Officer	$63,690	$16,068	$79,758
GARY FORD	CEO	40		$54,594	$5,296	$59,890
ROBERT SWASKOSKI	CHAIRPERSON	1	Director	$0	$0	$0
LINDA HOMYK	SECRETARY	1	Director	$0	$0	$0
MARLENE KOLEDIN	TREASURER	1	Director	$0	$0	$0
KATHY BRYNDA	DIRECTOR	1	Director	$0	$0	$0
ANNA SEGNER	DIRECTOR	1	Director	$0	$0	$0
SANDY SABAN	DIRECTOR	1	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
2021	$527,791	$638,453	$26,309,958	$-110,662
2020	$671,372	$633,197	$26,132,593	$38,175
2019	$768,834	$678,438	$24,309,413	$90,396
2018	$749,478	$684,282	$24,126,023	$65,196

PA HealthCare Credit Union