CREDIT UNION MIRACLE DAY INC (EIN 522341329) - 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

2001

Legal Domicile

Principal Officer

JOHN BRATSAKIS

Phone

7035730970

Tax Period

2024-07-01 to 2025-06-30

CREDIT UNION MIRACLE DAY INC, founded in 2001, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $727K in total revenue in fiscal year 2024.

Mission

CUMD RAISES MONEY TO SUPPORT CHILDREN'S MIRACLE NETWORK (CMN) HOSPITALS AFTER PAYMENT OF RACE, TITLE, SPONSORSHIP FEES, AND MINIMAL OPERATING COSTS, ALL FUNDS COLLECTED ARE REDISTRIBUTAED, SO EVERY DOLLAR GENERATED IS RETURNED TO THE CMN AFFILIATED HOSPITALS SERVING LOCAL COMMUNITIES.

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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 $725,706

Program Service Revenue $0

Investment Income $993

Other Revenue $0

TOTAL REVENUE $726,699

Expense Breakdown

Grants Paid $258,254

Salaries & Benefits $0

Fundraising Expenses $399,682

Program Expenses $268,150

Other Expenses $486,109

TOTAL EXPENSES $744,363

Year-over-Year Comparison

	2024	2023	Change
Revenue	$726,699	$721,586	+0.0%
Expenses	$744,363	$775,353	0.0%
Net Income	$-17,664	$-53,767	-0.7%

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
LEIGH PHILIBOSIAN	EXECUTIVE DI	40.00	Officer	$0	$0	$0
JOHN BRATSAKIS	CHAIR	5.00	Officer Director	$0	$0	$0
KRISTIN SHULTZ	VICE CHAIR	3.00	Officer Director	$0	$0	$0
CHARLIE MALLON	TREASURER	5.00	Officer Director	$0	$0	$0
RICK WIECZOREK	SECRETARY	3.00	Officer Director	$0	$0	$0
TIM ANDERSON	BOARD MEMBER	2.00	Director	$0	$0	$0
JEFF BENTLEY	BOARD MEMBER	2.00	Director	$0	$0	$0
STEPHANIE COVINGTON	BOARD MEMBER	2.00	Director	$0	$0	$0
PAM PILIGIAN	BOARD MEMBER	2.00	Director	$0	$0	$0
TRICIA SZURGOT	BOARD MEMBER	2.00	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
2025	$726,699	$744,363	$378,073	$-17,664
2024	$721,586	$775,353	$374,792	$-53,767
2023	$744,581	$686,042	$370,948	$58,539
2022	$370,937	$786,296	$339,683	$-415,359
2021	$629,924	$226,479	$675,625	$403,445
2020	$871,871	$853,883	$130,208	$17,988
2019	$897,384	$887,668	$425,098	$9,716
2018	$849,005	$848,005	$447,939	$1,000

CREDIT UNION MIRACLE DAY INC