OBERLIN STUDENT COOPERATIVE ASSOCI… - Form 990 Financial Data

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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

1962

Legal Domicile

Principal Officer

ANI ZAKARIAN

Phone

4407758108

Tax Period

2024-07-01 to 2025-06-30

OBERLIN STUDENT COOPERATIVE ASSOCIATION, founded in 1962, is a community nonprofit in the Recreation & Sports sector that reported $3.8M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

TO PROMOTE AND DEVELOP COOPERATIVE LIVING AT OBERLIN COLLEGE IN ACCORDANCE WITH THE ROCHDALE COOPERATIVE PRINCIPLES SO LONG AS SUCH ACTIVITY IS CONSISTENT WITH THE FUNDAMENTAL PRINCIPLES AND POLICIES OF OBERLIN COLLEGE.

Program Service Accomplishments

Program 1

Expenses: $3,619,980 Revenue: $3,727,138

TO PROVIDE SOCIAL AND FRATERNAL DINING SERVICES AND HOUSING AT OBERLIN COLLEGE.

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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 $11,112

Program Service Revenue $3,722,289

Investment Income $32,982

Other Revenue $4,849

TOTAL REVENUE $3,771,232

Expense Breakdown

Grants Paid $0

Salaries & Benefits $369,106

Fundraising Expenses $0

Program Expenses $3,619,980

Other Expenses $3,391,326

TOTAL EXPENSES $3,760,432

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,771,232	$3,343,654	+0.1%
Expenses	$3,760,432	$3,454,265	+0.1%
Net Income	$10,800	$-110,611	-1.1%

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

N/A

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

$145,235

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA DOAN	FINANCIAL MANAGER	40.00	Officer	$85,032	$46,503	$131,535
ANIA OCASIO	CHAIR	8.00	Officer	$0	$0	$0
MAYA DENKMIRE	MEMBERSHIP	8.00	Officer	$5,500	$0	$5,500
ANI ZAKARIAN	PRESIDENT	8.00	Officer	$4,300	$0	$4,300
ELOISE RICH	TREASURER	8.00	Officer	$3,900	$0	$3,900

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	$3,771,232	$3,760,432	$1,420,601	$10,800
2024	$3,343,654	$3,454,265	$962,064	$-110,611
2023	$2,846,291	$3,091,865	$1,065,472	$-245,574
2022	$3,078,718	$3,077,844	$1,282,165	$874
2021	$22,824	$339,580	$1,259,341	$-316,756
2020	$2,393,511	$2,406,532	$1,426,903	$-13,021
2019	$2,891,391	$2,811,984	$1,555,298	$79,407
2018	$2,817,534	$2,777,852	$1,581,611	$39,682

OBERLIN STUDENT COOPERATIVE ASSOCIATION