CROSSROADS UNITED WAY INC (EIN 350953433) - 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

1950

Legal Domicile

Principal Officer

WILLIAM PURCELL

Phone

5742951650

Tax Period

2024-01-01 to 2024-12-31

CROSSROADS UNITED WAY INC, founded in 1950, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $2.3M exceeded revenue, resulting in a 37% operating deficit.

Mission

IMPROVE THE QUALITY OF LIFE THROUGHOUT ELKHART, LAGRANGE AND NOBLE COUNTIES, INDIANA BY BRINGING TOGETHER MEMBERS OF THE COMMUNITY TO DEVELOP PRIORITY SOCIAL NEEDS THOUGH CONSENSUS, GENERATE AND FACILITATE SOLUTIONS TO MEET THOSE NEEDS, AND EFFICIENTLY RECOGNIZE, RAISE, AND ALLOCATE RESOURCES TO MEET THOSE IDENTIFIED NEEDS.

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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 $1,259,270

Program Service Revenue $222,577

Investment Income $122,405

Other Revenue $55,879

TOTAL REVENUE $1,660,131

Expense Breakdown

Grants Paid $635,750

Salaries & Benefits $828,979

Fundraising Expenses $553,740

Program Expenses $1,456,557

Other Expenses $808,237

TOTAL EXPENSES $2,272,966

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,660,131	$1,784,209	-0.1%
Expenses	$2,272,966	$2,114,954	+0.1%
Net Income	$-612,835	$-330,745	+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

693

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

$141,798

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM PURCELL	PRESIDENT	40.00	Officer	$134,538	$7,260	$141,798
ASHLEY MARTIN	BOARD PRESID	1.00	Officer Director	$0	$0	$0
TRAVIS GLICK	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
SHANNON BRUGGEMAN	TREASURER	1.00	Officer Director	$0	$0	$0
GRACE CASWELL	SECRETARY	1.00	Officer Director	$0	$0	$0
MAREEN BARTON	BOARD MEMBER	1.00	Director	$0	$0	$0
DAWN FISHER	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY GROOMS	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDY HELFRICH	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN HICKS	BOARD MEMBER	1.00	Director	$0	$0	$0
MATT HOSTETLER	BOARD MEMBER	1.00	Director	$0	$0	$0
ANNE LOWE	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDY MARSHALL	BOARD MEMBER	1.00	Director	$0	$0	$0
DAN NEW	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER PENDLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
TAMMY PIFER	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK PODGORSKI	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON WIDMAR	BOARD MEMBER	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
2024	$1,660,131	$2,272,966	$3,458,241	$-612,835
2023	$1,784,209	$2,114,954	$4,124,772	$-330,745
2022	$1,943,891	$1,956,482	$4,269,136	$-12,591
2021	$3,123,249	$3,470,054	$4,330,020	$-346,805
2020	$3,881,207	$2,789,541	$4,557,809	$1,091,666
2018	$1,939,595	$2,049,059	$3,324,129	$-109,464

CROSSROADS UNITED WAY INC