CREDIT UNION WOMEN'S LEADERSHIP ALLIANCE INC (EIN 854254174) - 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

2020

Legal Domicile

Principal Officer

LILY NEWFARMER

Phone

8178841470

Tax Period

2025-01-01 to 2025-12-31

CREDIT UNION WOMEN'S LEADERSHIP ALLIANCE INC, founded in 2020, is a small nonprofit in the Employment sector that reported $278K in total revenue in fiscal year 2025. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $43K, a strong 15% operating margin.

Mission

CUWLA WAS ORGANIZED TO CREATE A MUTUAL SUPPORT SYSTEM TO FOSTER COLLABERATIVE OPPORTUNITIES TO INSPIRE AND INVEST IN WOMEN CEOs OF SMALLER CREDIT UNIONS TO HELP THEM SUCCEED.

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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 (2025)

Revenue Breakdown

Contributions & Grants $160,617

Program Service Revenue $104,339

Investment Income $9,677

Other Revenue $3,020

TOTAL REVENUE $277,653

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $214,892

Other Expenses $234,946

TOTAL EXPENSES $234,946

Year-over-Year Comparison

	2025	2024	Change
Revenue	$277,653	$215,309	+0.3%
Expenses	$234,946	$251,017	-0.1%
Net Income	$42,707	$-35,708	-2.2%

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
LILY NEWFARMER	BOARD CHAIR	8.00	Officer Director	$0	$0	$0
HEATHER WALTER	VICE-CHAIR	6.00	Officer Director	$0	$0	$0
JAN PAGE	TREASURER	6.00	Officer Director	$0	$0	$0
MARIA MARTINEZ	SECRETARY	6.00	Officer Director	$0	$0	$0
ELAINE THOMPSON	BOARD MEMBER	6.00	Director	$0	$0	$0
THERESA TRIMBLE	BOARD MEMBER	4.00	Director	$0	$0	$0
LINDA BODIE	BOARD MEMBER	4.00	Director	$0	$0	$0
AMY BRODERSON	BOARD MEMBER	4.00	Director	$0	$0	$0
TERI ROBINSON	BOARD MEMBER	4.00	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	$277,653	$234,946	$345,146	$42,707
2024	$215,309	$251,017	$292,754	$-35,708
2023	$285,429	$205,947	$337,068	$79,482

CREDIT UNION WOMEN'S LEADERSHIP ALLIANCE INC