DCCU CARES FOUNDATION (EIN 932449909) - 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

2023

Legal Domicile

Principal Officer

MARGARET HERSH

Phone

5409463200

Tax Period

2025-01-01 to 2025-12-31

DCCU CARES FOUNDATION, founded in 2023, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $220K in total revenue in fiscal year 2024. The organization ran a surplus of $109K, a strong 50% operating margin.

Mission

THE DCCU CARES FOUNDATION IS A CHARITABLE FOUNDATION WITH A PURPOSE TO EMPOWER INDIVIDUAL SUCCESS AND SELF-SUFFICIENCY THROUGH FINANCIAL WELLNESS AND RESOURCES. WITH THE SUPPORT OF DUPONT COMMUNITY CREDIT UNION MEMBERS, EMPLOYEES, AND OUR GREATER SHENANDOAH VALLEY COMMUNITY WE CAN ACCOMPLISH OUR MISSION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $123,142

Program Service Revenue $35,956

Investment Income $393

Other Revenue $0

TOTAL REVENUE $159,491

Expense Breakdown

Grants Paid $60,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $138,070

Other Expenses $82,292

TOTAL EXPENSES $142,292

Year-over-Year Comparison

	2025	2024	Change
Revenue	$159,491	$220,281	-0.3%
Expenses	$142,292	$111,117	+0.3%
Net Income	$17,199	$109,164	-0.8%

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
STEPHEN F ELKINS	CHAIR	1.00	Officer Director	$0	$0	$0
MARGARET HERSH	SECRETARY	1.00	Officer Director	$0	$0	$0
JANET P MANGUN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ANGELA M SIMONETTI	DIRECTOR	1.00	Officer Director	$0	$0	$0
BARRY D SMITH	TREASURER	1.00	Officer Director	$0	$0	$0
G WILLIAM WATKINS	DIRECTOR	1.00	Officer 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	$159,491	$142,292	$126,766	$17,199
2024	$220,281	$111,117	$115,642	$109,164

DCCU CARES FOUNDATION