WIN-HOOD CO-OP CREDIT UNION (EIN 362322124) - 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

1951

Legal Domicile

Principal Officer

GEORGE MAK

Phone

7735652000

Tax Period

2018-01-01 to 2018-09-29

WIN-HOOD CO-OP CREDIT UNION, founded in 1951, is a micro nonprofit that reported $56K in total revenue in fiscal year 2018. Revenue decreased 18% compared to the prior year. Expenses of $134K exceeded revenue, resulting in a 142% operating deficit.

Mission

TO PROVIDE SERVICES FOR SAVINGS AND LOANS TO MEMBERS WHO ARE LIVING IN GRANVILLE TERRACE, WINCHESTER HOOD GARDEN HOMES AND WINCHESTER HOOD EXTENSION B TRUST.

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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 $48,081

Investment Income $6,269

Other Revenue $1,285

TOTAL REVENUE $55,635

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,817

Fundraising Expenses $0

Other Expenses $127,645

TOTAL EXPENSES $134,462

Year-over-Year Comparison

	2018	2017	Change
Revenue	$55,635	$68,024	-0.2%
Expenses	$134,462	$56,965	+1.4%
Net Income	$-78,827	$11,059	-8.1%

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

Employees

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

$6,300

Total Directors

$6,300

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
IRA SILVER	CHAIRMAN	2.50	Officer Director	$1,800	$0	$1,800
SEAN GUZIK	VICE CHAIRMAN/SECRETARY	0.50	Officer Director	$0	$0	$0
GEORGE MAK	TREASURER	2.50	Officer Director	$4,500	$0	$4,500
CHARLES SALVAGGIO	CREDIT COMMITTEE CHAIR	0.50	Director	$0	$0	$0
JOSEPH MALLEK	SUPERVISORY COMMITTEE CHAIR	3.50	Director	$0	$0	$0
GRACE CO	DIRECTOR	0.50	Director	$0	$0	$0
PHILLIP CONRAD	DIRECTOR	0.50	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
2018	$55,635	$134,462	No data	$-78,827

WIN-HOOD CO-OP CREDIT UNION