WORLDWIDE FOUNDATION FOR CREDIT UNIONS INC (EIN 396093210) - 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

1965

Legal Domicile

Principal Officer

PAUL TREINEN

Phone

6083952000

Tax Period

2024-01-01 to 2024-12-31

WORLDWIDE FOUNDATION FOR CREDIT UNIONS INC, founded in 1965, is a community nonprofit in the International Affairs sector that reported $2.2M in total revenue in fiscal year 2024. Expenses of $3.0M exceeded revenue, resulting in a 35% operating deficit.

Mission

ADVANCE FINANCIAL INCLUSION BY REDUCING GAPS IN GLOBAL CREDIT UNION GROWTH.

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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 $2,083,623

Program Service Revenue $76,665

Investment Income $41,183

Other Revenue $0

TOTAL REVENUE $2,201,471

Expense Breakdown

Grants Paid $684,032

Salaries & Benefits $0

Fundraising Expenses $1,180,124

Program Expenses $1,329,266

Other Expenses $2,283,076

TOTAL EXPENSES $2,967,108

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,201,471	$2,274,792	0.0%
Expenses	$2,967,108	$3,518,985	-0.2%
Net Income	$-765,637	$-1,244,193	-0.4%

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

$726,924

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL CHENEY	CHAIR	1.00	Officer Director	$0	$0	$0
CRYSTAL LONG	VICE CHAIR	1.00	Officer Director	$0	$0	$0
SUSAN MITCHELL	SECRETARY	1.00	Officer Director	$0	$0	$0
DALLAS BERGL	TREASURER	1.00	Officer Director	$0	$0	$0
MANFRED ALFONSO DASENBROCK	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN CALDARELLI	DIRECTOR	1.00	Director	$0	$0	$0
MIRIAM DE DIOS WOODWARD	DIRECTOR	1.00	Director	$0	$0	$0
DWAYNE NAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
RENEE SATTIEWHITE	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH THOMAS	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER OLIVER	DIRECTOR	1.00	Director	$0	$0	$0
TYLER VALENTINE	DIRECTOR	1.00	Director	$0	$0	$0
J KEVIN RYAN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL REUTER	PRESIDENT	40.00	Officer	$0	$12,885	$154,192
ELISSA MCCARTER LABORDE	PRESIDENT & CEO	1.00	Officer	$0	$68,646	$572,732

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	$2,201,471	$2,967,108	$2,976,886	$-765,637
2023	$2,274,792	$3,518,985	$3,451,582	$-1,244,193
2022	$4,076,412	$2,814,325	$5,234,789	$1,262,087
2021	$2,495,321	$1,613,379	$2,638,598	$881,942
2020	$2,105,982	$1,816,160	$1,220,162	$289,822
2019	$4,194,511	$3,903,503	$1,782,813	$291,008
2018	$2,767,025	$2,762,211	$2,443,508	$4,814

WORLDWIDE FOUNDATION FOR CREDIT UNIONS INC