Worzalla Publishing EmplsCredit Un (EIN 396092106) - 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

1966

Legal Domicile

Principal Officer

Cynthia Maher

Tax Period

2018-01-01 to 2018-12-31

Worzalla Publishing EmplsCredit Un, founded in 1966, is a micro nonprofit that reported $5K in total revenue in fiscal year 2018. Revenue fell 71% from the prior year — a significant decline worth monitoring. Expenses of $85K exceeded revenue, resulting in a 1516% operating deficit.

Mission

None

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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 $1,086

Investment Income $4,193

Other Revenue $0

TOTAL REVENUE $5,279

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,015

Fundraising Expenses $0

Other Expenses $81,273

TOTAL EXPENSES $85,288

Year-over-Year Comparison

	2018	2017	Change
Revenue	$5,279	$18,389	-0.7%
Expenses	$85,288	$18,385	+3.6%
Net Income	$-80,009	$4	-20003.3%

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

$1,000

Total Directors

$1,000

Key Employees

$2,730

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Angela Brasel	Secretary	0.00	Officer Director	$0	$0	$0
Steven Cisewski	Vice-Chair	0.00	Officer Director	$0	$0	$0
Thomas Moss	Treasurer	0.00	Officer Director	$0	$0	$0
Paul Davis	Chairperson	0.00	Officer Director	$0	$0	$0
Cynthia Maher	President	3.00	Officer Director	$1,000	$0	$1,000
Cheryl Prince	Bookeeper	11.00	Key Emp	$2,730	$0	$2,730

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	$5,279	$85,288	No data	$-80,009

Worzalla Publishing EmplsCredit Un