UNFCU FOUNDATION INC (EIN 471344867) - 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

2014

Legal Domicile

Principal Officer

YMA GORDON

Phone

8442799970

Tax Period

2023-01-01 to 2023-12-31

UNFCU FOUNDATION INC, founded in 2014, is a community nonprofit in the Education sector that reported $1.0M in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year.

Mission

TO REDUCE POVERTY THROUGH EDUCATION, HEALTH CARE PROGRAMS AND LIVELIHOOD TRAINING, ESPECIALLY AMONG WOMEN AND YOUTH.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,016,336

Program Service Revenue $0

Investment Income $13,768

Other Revenue $0

TOTAL REVENUE $1,030,104

Expense Breakdown

Grants Paid $893,751

Salaries & Benefits $0

Fundraising Expenses $61,690

Program Expenses $893,751

Other Expenses $117,866

TOTAL EXPENSES $1,011,617

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,030,104	$1,094,120	-0.1%
Expenses	$1,011,617	$1,181,084	-0.1%
Net Income	$18,487	$-86,964	-1.2%

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
PAMELA K AGNONE	CHAIRPERSON	6.00	Officer Director	$0	$0	$0
JOYCE BARBARICH	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL CLARK	DIRECTOR	1.00	Director	$0	$0	$0
THERESA PANUCCIO	DIRECTOR	1.00	Director	$0	$0	$0
DAVID GOSSTOLA	TREASURER	1.00	Officer Director	$0	$0	$0
JODI PULICE	DIRECTOR	1.00	Director	$0	$0	$0
LAURA ROCKWOOD	DIRECTOR	1.00	Director	$0	$0	$0
JOHN LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID GRUSS	VICE PRESIDENT-CFO	2.00	Officer	$0	$0	$0
MICHAEL ROTT	VICE PRESIDENT-LEGAL/ SECRETARY	2.00	Officer	$0	$0	$0
YMA GORDON	EXECUTIVE DIRECTOR	16.00	Officer	$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
2024	No data	No data	No data	No data
2023	$1,030,104	$1,011,617	$594,401	$18,487
2022	$1,094,120	$1,181,084	$579,768	$-86,964
2021	$1,208,810	$1,084,062	$673,704	$124,748
2020	$692,024	$501,113	$546,026	$190,911
2019	$874,728	$770,964	$304,075	$103,764
2018	$767,967	$745,172	$199,188	$22,795

UNFCU FOUNDATION INC