COOPERATIVE WELFARE BEN FD (IN OH & MI) (EIN 352288746) - 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

2006

Legal Domicile

Principal Officer

CARLA ELLIOTT

Phone

5152260303

Tax Period

2020-01-01 to 2020-12-31

COOPERATIVE WELFARE BEN FD (IN OH & MI), founded in 2006, is a micro nonprofit in the Mutual Benefit sector that reported $299 in total revenue in fiscal year 2020. Revenue fell 75% from the prior year — a significant decline worth monitoring.

Mission

THE TRUST WAS ESTABLISHED TO PROVIDE FOR THE PAYMENT OF DEATH, DISABILITY, AD&D, DEPENDENT CARE AND MEDICAL BENEFITS, AND SUCH OTHER BENEFITS DESIGNED TO ENHANCE THE HEALTH AND WELFARE OF EMPLOYEES AND THEIR DEPENDENTS OF PARTICIPATING EMPLOYERS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $66

Other Revenue $233

TOTAL REVENUE $299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2020	2019	Change
Revenue	$299	$1,176	-0.7%
Expenses	N/A	$13	-1.0%
Net Income	N/A	$1,163	N/A

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
JANELLE THOMAS	CHAIR	1.00	Director	$0	$0	$0
LYNN DREYER	VICE CHAIR	1.00	Director	$0	$0	$0
SUSAN POST	SECRETARY	1.00	Director	$0	$0	$0
CARLA ELLIOTT	TRUSTEE AND CHAIR	1.00	Director	$0	$0	$0
NANCY HUGHES	TRUSTEE	1.00	Director	$0	$0	$0
TODD NETTEN	TRUSTEE	1.00	Director	$0	$0	$0
RICK SMITHPETER	TRUSTEE	1.00	Director	$0	$0	$0
JEFF STATON	TRUSTEE	1.00	Director	$0	$0	$0
KATHLEEN LYONS	TRUSTEE	1.00	Director	$0	$0	$0
JULIE PALMER	TRUSTEE	1.00	Director	$0	$0	$0
CRAIG MOMMER	TRUSTEE	1.00	Director	$0	$0	$0
JOSHUA COUGHLIN	TRUSTEE	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
2020	$299	No data	$46,382	No data

COOPERATIVE WELFARE BEN FD (IN OH & MI)