CU SAVERS INC (EIN 030603264) - 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

2006

Legal Domicile

Principal Officer

BRIAN BEST

Phone

8134146575

Tax Period

2023-01-01 to 2023-12-31

CU SAVERS INC, founded in 2006, is a small nonprofit in the Employment sector that reported $220K in total revenue in fiscal year 2023. The organization ran a surplus of $129K, a strong 59% operating margin.

Mission

CU SAVERS IS A NON-PROFIT ORGANIZATION DEDICATED TO EDUCATING MEMBERS OF THE COMMUNITY ON ALL THINGS FINANCIAL. WHETHER YOU ARE MANAGING DAY-TO-DAY EXPENSES LIKE SAVING, SPENDING, AND BUDGETING OR PLANNING FOR THE FUTURE AND RETIREMENT BY INVESTING, BECOMING A MEMBER IS VALUABLE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $220,080

Program Service Revenue $0

Investment Income $169

Other Revenue $0

TOTAL REVENUE $220,249

Expense Breakdown

Grants Paid $0

Salaries & Benefits $34,453

Fundraising Expenses $0

Program Expenses $70,619

Other Expenses $56,757

TOTAL EXPENSES $91,210

Year-over-Year Comparison

	2023	2022	Change
Revenue	$220,249	$220,902	0.0%
Expenses	$91,210	$85,210	+0.1%
Net Income	$129,039	$135,692	0.0%

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

$34,453

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN BEST	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRAD BAKER	CFO	1.00	Officer Director	$0	$0	$0
HOLLY MARKHAM	DIRECTOR	7.00	Officer	$34,453	$0	$34,453

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	No data	No data	No data	No data
2023	$220,249	$91,210	$612,680	$129,039
2022	$220,902	$85,210	$483,641	$135,692
2018	$381,497	$193,184	$240,499	$188,313

CU SAVERS INC