摘要：Financial ratios and prediction models have been used since the 1960s to evaluate financial health in profit-oriented organization. However, very few studies were devoted to cooperatives, which is looked upon like an enigma for regulators, business managers and academicians alike. With 1 billion cooperative members worldwide and counting, serious attention should be given to finding and developing tools to help the stakeholders maneuver cooperatives towards. This article explores the utilization of Tuckman-Chang Model to predict financial vulnerability in cooperative settings. This model was originally intended for charitable organizations (NPO) without profit-distributing characteristics. However, our finding implies that the utilization of such model in profit-distributing organizations such as cooperatives is applicable. Keyword : Financial Vulnerability, Financial Distress Prediction, Financial Oversight, Cooperative
