YOUNGSTOWN, OH
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
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.
GENERATE LOANS FOR EMPLOYEE BUYOUT GROUPS AND EMPLOYEE COOPERATIVE ORGANIZATIONS TO ASSIST IN THE PURCHASE, CREATION OR EXPANSION OF THEIR COMPANIES IN ORDER TO RAISE THE STANDARD OF LIVING FOR ALL...
GENERATE LOANS FOR EMPLOYEE BUYOUT GROUPS AND EMPLOYEE COOPERATIVE ORGANIZATIONS TO ASSIST IN THE PURCHASE, CREATION OR EXPANSION OF THEIR COMPANIES IN ORDER TO RAISE THE STANDARD OF LIVING FOR ALL THOSE INVOLVED IN THE EMPLOYEE OWNERSHIP GROUPS. THE LOANS ENABLE THE EMPLOYEES TO ACQUIRE, GROW AND EXPAND THEIR BUSINESSES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2018 | $22,329 | $21,243 | $515,747 | $1,086 |
Compare COMMON WEALTH REVOLVING LOAN FUND MESSING with other nonprofits in Ohio and across the country.