MA FORD EMPLOYEES CREDIT UNION

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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

1952

Legal Domicile

Principal Officer

LINDA ANDRY

Phone

5633916220

Tax Period

2019-01-01 to 2019-11-15

MA FORD EMPLOYEES CREDIT UNION, founded in 1952, is a micro nonprofit that reported $43K in total revenue in fiscal year 2019. Revenue decreased 13% compared to the prior year. Expenses of $137K exceeded revenue, resulting in a 222% operating deficit.

Mission

THE ORGANIZATION DOES SIMPLE SHARES AND LOANS FOR EMPLOYEES OF M.A. FORD MFG

Program Service Accomplishments

Program 1

Expenses: $137,219 Revenue: $39,232

THE ORGANIZATIONS ONLY PROGRAM IS SAVINGS AND LOANS FOR THE 256 APPROXIMATE MEMBERS OF THE ORGANIZATION IN 2019.M.A FORD CREDIT UNION MERGERD WITH ASCENTRA CREDIT UNION (42-0747751) ON NOVEMBER 30...

THE ORGANIZATIONS ONLY PROGRAM IS SAVINGS AND LOANS FOR THE 256 APPROXIMATE MEMBERS OF THE ORGANIZATION IN 2019.M.A FORD CREDIT UNION MERGERD WITH ASCENTRA CREDIT UNION (42-0747751) ON NOVEMBER 30, 2019.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $39,232

Investment Income $3,411

Other Revenue $0

TOTAL REVENUE $42,643

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,750

Fundraising Expenses $0

Program Expenses $137,219

Other Expenses $134,469

TOTAL EXPENSES $137,219

Year-over-Year Comparison

	2019	2018	Change
Revenue	$42,643	$49,004	-0.1%
Expenses	$137,219	$39,469	+2.5%
Net Income	$-94,576	$9,535	-10.9%

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

N/A

Volunteers

N/A

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

$2,750

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA FITZGERALD	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
NATE SCHOENLE	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
JOE KUETER	SECRETARY	1.00	Officer Director	$0	$0	$0
RANDY LAFAYETTE	LOAN COMMITTEE	1.00	Director	$0	$0	$0
MATT LISKE	AUDIT COMMITTEE	1.00	Director	$0	$0	$0
RICHARD COE	AUDIT COMMITTEE	1.00	Director	$0	$0	$0
ELIZABETH SCHAECHER	PRESIDENT	10.00	Officer	$2,750	$0	$2,750

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
2019	$42,643	$137,219	No data	$-94,576
2018	$49,004	$39,469	$1,698,167	$9,535