COLDWATER NORTH COOPERATIVE INC (EIN 952250756) - 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

1964

Legal Domicile

Principal Officer

JESSE GARCIA

Phone

8187652301

Tax Period

2024-01-01 to 2024-12-31

COLDWATER NORTH COOPERATIVE INC, founded in 1964, is a small nonprofit that reported $678K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $809K exceeded revenue, resulting in a 19% operating deficit.

Mission

MANAGE SHAREHOLDER HOMEOWNERS

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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 $0

Program Service Revenue $677,722

Investment Income $29

Other Revenue $0

TOTAL REVENUE $677,751

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,686

Fundraising Expenses $0

Program Expenses $808,578

Other Expenses $694,892

TOTAL EXPENSES $808,578

Year-over-Year Comparison

	2024	2023	Change
Revenue	$677,751	$605,880	+0.1%
Expenses	$808,578	$557,242	+0.5%
Net Income	$-130,827	$48,638	-3.7%

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

132

Independent Members

N/A

Employees

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JORGE AQUINO	PRESIDENT	4.00	Officer	$0	$0	$0
SAMIR KUBINSKY	1ST VICE PRESIDENT	3.00	Officer	$0	$0	$0
LISA DE AVILA	2ND VICE PRESIDENT	3.00	Officer	$0	$0	$0
JESSE GARCIA	TREASURER	3.00	Officer	$0	$0	$0
GAIL HAZARD	SECRETARY	3.00	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	$677,751	$808,578	$891,338	$-130,827
2023	$680,593	$716,873	$1,028,365	$-36,280
2022	$605,880	$557,242	$1,069,632	$48,638
2021	$565,028	$574,958	$1,010,527	$-9,930
2020	$554,400	No data	$963,328	No data

COLDWATER NORTH COOPERATIVE INC