CROATIAN FRATERNAL UNION SCHOLARSHIP FOUNDATION INC (EIN 256066985) - 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

1958

Legal Domicile

Principal Officer

EDWARD W PAZO

Phone

4128430380

Tax Period

2025-01-01 to 2025-12-31

CROATIAN FRATERNAL UNION SCHOLARSHIP FOUNDATION INC, founded in 1958, is a small nonprofit in the Education sector that reported $628K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $403K, a strong 64% operating margin.

Mission

SCHOLARSHIP GRANTS SCHOLARSHIPS ARE AWARDED TO NEEDY STUDENTS WHO ARE MEMBERS OF THE ORGANIZATION

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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 $319,457

Program Service Revenue $0

Investment Income $308,315

Other Revenue $0

TOTAL REVENUE $627,772

Expense Breakdown

Grants Paid $184,950

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $225,055

Other Expenses $40,105

TOTAL EXPENSES $225,055

Year-over-Year Comparison

	2025	2024	Change
Revenue	$627,772	$547,174	+0.1%
Expenses	$225,055	$204,571	+0.1%
Net Income	$402,717	$342,603	+0.2%

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

N/A

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

$607,671

Total Directors

$113,884

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
BERNADETTE M LUKETICH	PITTSBURGH, PA 15235	Officer	$0	$0	$254,412
EDWARD W PAZO	PITTSBURGH, PA 15235	Officer	$0	$0	$353,259
FRANJO BERTOVIC	PITTSBURGH, PA 15235	Director	$0	$0	$18,900
ROBERT LUKETIC	PITTSBURGH, PA 15235	Director	$0	$0	$0
DEREK L HOHN	PITTSBURGH, PA 15235	Director	$0	$0	$94,984
DR MARION VUJEVICH	PITTSBURGH, PA 15235	Director	$0	$0	$0
PAUL LUCAS	PITTSBURGH, PA 15235	Director	$0	$0	$0
MICHAEL RICCI	PITTSBURGH, PA 15235	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	$627,772	$225,055	$9,951,527	$402,717
2024	$547,174	$204,571	$9,548,960	$342,603
2023	$789,590	$209,960	$9,206,207	$579,630
2022	$654,772	$191,577	$8,626,577	$463,195
2021	$689,460	$181,964	$8,163,382	$507,496
2020	$951,856	$214,533	$7,655,885	$737,323
2019	$338,836	$218,945	$6,918,563	$119,891
2018	$497,454	$232,956	$6,798,672	$264,498

CROATIAN FRATERNAL UNION SCHOLARSHIP FOUNDATION INC