STUDENT COOPERATIVE ASSOCIATION INC (EIN 256012456) - 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

1960

Legal Domicile

Principal Officer

LOUIS GARZARELLI

Phone

7243571322

Tax Period

2024-07-01 to 2025-06-30

STUDENT COOPERATIVE ASSOCIATION INC, founded in 1960, is a community nonprofit in the Education sector that reported $9.3M in total revenue in fiscal year 2024.

Mission

SERVICE ORGANIZATION FOR A STATE UNIVERSITY THAT PROVIDES FACILITIES, ACTIVITES, AND SERVICES TO ENHANCE THE SOCIAL, CULTURAL, RECREATIONAL, AND LEARNING EXPERIENCE OF THE UNIVERSITY AND COMMUNITY.

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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 $0

Program Service Revenue $8,436,192

Investment Income $157,856

Other Revenue $743,095

TOTAL REVENUE $9,337,143

Expense Breakdown

Grants Paid $250,000

Salaries & Benefits $1,762,785

Fundraising Expenses $0

Program Expenses $8,877,073

Other Expenses $3,469,338

TOTAL EXPENSES $9,267,740

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,337,143	$9,502,493	0.0%
Expenses	$9,267,740	$8,722,061	+0.1%
Net Income	$69,403	$780,432	-0.9%

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

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

$267,217

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOUIS GARZARELLI	EXECUTIVE DI	40.00	Officer	$170,200	$0	$170,200
ROBERT KANICK	CFO	40.00	Officer	$97,017	$0	$97,017
ALEXIS BARDOS	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM BUTTZ	NON VOTING A	1.00	Director	$0	$0	$0
JOSHUA CASTLE	CHAIRPERSON	1.00	Director	$0	$0	$0
KAYLEE BECKER GEORGE	DIRECTOR	1.00	Director	$0	$0	$0
ABIGAIL HANCOX	NON-VOTING A	1.00	Director	$0	$0	$0
SHAGUFTA HAQUE	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW HENRY	STUDENT REP	1.00	Director	$0	$0	$0
ZACH HILLIARD	ALUMNI REP	1.00	Director	$0	$0	$0
BAILEY HORN	STUDENT REP	1.00	Director	$0	$0	$0
CHERISH AUTUMN KAUFFMAN	STUDENT REP	1.00	Director	$0	$0	$0
ASHTON PERFETTI	TREASURER	1.00	Director	$0	$0	$0
JAMES RACCHINI	FACULTY REP	1.00	Director	$0	$0	$0
JEREMY RISINGER	ASSISTANT SE	1.00	Director	$0	$0	$0
JACOB ROUMFORT	ASSISTANT SE	1.00	Director	$0	$0	$0
NICHOLAS RYAN	STUDENT REP	1.00	Director	$0	$0	$0
HANNAH SAMMOUR	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS SEGAR	NON-VOTING A	1.00	Director	$0	$0	$0
ALLISON SEMETOSKEY	SECRETARY	1.00	Director	$0	$0	$0
STEPHEN SHIRING	VICE-CHAIRPE	1.00	Director	$0	$0	$0
DAVE SURTASKY	MANAGEMENT R	1.00	Director	$0	$0	$0
KYLAH WILSON	STUDENT REP	1.00	Director	$0	$0	$0
DANIEL WISSINGER	FACULTY REP	1.00	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	$9,337,143	$9,267,740	$28,452,590	$69,403
2024	$9,502,493	$8,722,061	$30,454,385	$780,432
2023	$8,350,098	$8,497,088	$28,893,761	$-146,990
2022	$9,645,452	$7,603,597	$29,525,625	$2,041,855
2021	$8,395,772	$7,982,858	$33,183,299	$412,914
2020	$8,832,360	$8,526,323	$34,376,156	$306,037
2019	$8,484,004	$8,915,705	$35,006,248	$-431,701

STUDENT COOPERATIVE ASSOCIATION INC