RETAIL WHOLESALE & DEPARTMENT STORE UNION FRATERNAL REALTY CORPORATION (EIN 630438470) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1961

Legal Domicile

Principal Officer

RANDY HADLEY

Phone

2053227462

Tax Period

2024-01-01 to 2024-12-31

RETAIL WHOLESALE & DEPARTMENT STORE UNION FRATERNAL REALTY CORPORATION, founded in 1961, is a micro nonprofit that reported $57K in total revenue in fiscal year 2018. Revenue fell 73% from the prior year — a significant decline worth monitoring. Expenses of $90K exceeded revenue, resulting in a 60% operating deficit.

Mission

HOLDING TITLE TO PROPERTY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $21,317

Program Service Revenue $46,071

Investment Income $3,701

Other Revenue $0

TOTAL REVENUE $71,089

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $69,980

TOTAL EXPENSES $69,980

Year-over-Year Comparison

	2024	2023	Change
Revenue	$71,089	$56,610	+0.3%
Expenses	$69,980	$70,077	0.0%
Net Income	$1,109	$-13,467	-1.1%

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

$851,372

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDY HADLEY	PRESIDENT	2.00	Officer	$0	$60,774	$307,427
ALLEN GREGORY	SECRETARY TR	2.00	Officer	$0	$55,948	$228,709
CURTIS GRAY	VICE PRESIDE	2.00	Officer	$0	$32,773	$158,443
MARISOL URENA-GONZALES	VICE PRESIDE	2.00	Officer	$0	$49,237	$156,793
BRUCE FATHERLY	VICE PRESIDE	2.00	Officer	$0	$0	$0
LATUNYA LOVE	RECORDER	2.00	Officer	$0	$0	$0
JOHN WHITAKER	VICE PRESIDE	2.00	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	$71,089	$69,980	$479,163	$1,109
2023	$56,610	$70,077	$478,054	$-13,467
2022	$63,816	$65,308	$491,521	$-1,492
2021	$59,456	$66,365	$493,013	$-6,909
2020	$58,375	$72,348	$499,922	$-13,973
2019	$57,183	$81,893	$513,895	$-24,710
2018	$56,571	$90,239	$517,915	$-33,668

RETAIL WHOLESALE & DEPARTMENT STORE UNION FRATERNAL REALTY CORPORATION