COMMON WEALTH REVOLVING LOAN FUND MESSING (EIN 341517534) - 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

1987

Legal Domicile

Principal Officer

JAMES CONVERSE

Phone

3307593668

Tax Period

2018-01-01 to 2018-12-31

COMMON WEALTH REVOLVING LOAN FUND MESSING, founded in 1987, is a micro nonprofit that reported $22K in total revenue in fiscal year 2018. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $21K left a modest 5% surplus.

Mission

COMMON WEALTH REVOLVING LOAN FUND (CWRLF), FOUNDED IN 1987, IS A NON-PROFIT COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION WHOSE PURPOSE IS TO LEND MONEY TO EMPLOYEE-OWNED COMPANIES OR CO-OPS FOR EXPANSION, FACILITIES, MACHINERY AND EQUIPMENT, VEHICLES, AND WORKING CAPITAL OR FOR EMPLOYEE-BUYOUTS. CWRLF SERVES BORROWERS LOCATED IN OHIO AND THE NEARBY AREAS OF CONTIGUOUS STATES. THE OEOC HAS BEEN ADMINISTERING THE LOAN FUND SINCE 2004.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,277

Investment Income $21,052

Other Revenue $0

TOTAL REVENUE $22,329

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $15,403

Other Expenses $21,243

TOTAL EXPENSES $21,243

Year-over-Year Comparison

	2018	2017	Change
Revenue	$22,329	$31,503	-0.3%
Expenses	$21,243	$1,636	+12.0%
Net Income	$1,086	$29,867	-1.0%

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

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
KATE CULLUM	PRESIDENT	0.25	Officer Director	$0	$0	$0
JAMES CONVERSE	SECRETARY	0.25	Officer Director	$0	$0	$0
BRIAN CORBIN	VICE PRESIDE	0.25	Officer Director	$0	$0	$0
PARIS KRIECH	TREASURER	0.25	Officer Director	$0	$0	$0
ROY MESSING	LOAN COORDIN	4.00	Officer	$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
2018	$22,329	$21,243	$515,747	$1,086

COMMON WEALTH REVOLVING LOAN FUND MESSING