CONSOL Employees Credit Union (EIN 251378255) - 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

1980

Legal Domicile

Principal Officer

Ronald F Melani

Phone

7242993730

Tax Period

2019-01-01 to 2019-12-31

CONSOL Employees Credit Union, founded in 1980, is a small nonprofit that reported $105K in total revenue in fiscal year 2019. Revenue fell 80% from the prior year — a significant decline worth monitoring. Expenses of $139K exceeded revenue, resulting in a 33% operating deficit.

Mission

The CONSOL Employees Credit Union provides financial services to the employees and immediate family members of CONSOL Energy. The credit union provides low cost loans and competitive rate savings accounts. The credit union also provides convenient access for the employees to access their funds.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $42,718

Investment Income $47,971

Other Revenue $13,941

TOTAL REVENUE $104,630

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,828

Fundraising Expenses $0

Program Expenses $0

Other Expenses $79,064

TOTAL EXPENSES $138,892

Year-over-Year Comparison

	2019	2018	Change
Revenue	$104,630	$518,753	-0.8%
Expenses	$138,892	$557,139	-0.8%
Net Income	$-34,262	$-38,386	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jessie Jablonski	Vice President	5	Director	$0	$0	$0
Peter Vaughan	Director	5	Director	$0	$0	$0
Maria Farneth	Director	5	Director	$0	$0	$0
Lorraine Checque	Director	5	Director	$0	$0	$0
Jane Young	Secretary	5	Officer	$0	$0	$0
Susan Modispacher	Treasurer	5	Officer	$0	$0	$0
Matthew Woolensack	President	5	Officer	$0	$0	$0
Ronald Melani	Manager	40	Highest	$25,000	$0	$25,000

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
2019	$104,630	$138,892	$12,964,013	$-34,262
2018	$518,753	$557,139	$12,647,632	$-38,386

CONSOL Employees Credit Union