Build Commonwealth Inc (EIN 043540147) - 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

2000

Legal Domicile

Principal Officer

Timothy Flacke

Phone

6175419066

Tax Period

2024-10-01 to 2025-09-30

Build Commonwealth Inc, founded in 2000, is a community nonprofit in the Public & Societal Benefit sector that reported $1.8M in total revenue in fiscal year 2024. Revenue fell 88% from the prior year — a significant decline worth monitoring. Expenses of $6.4M exceeded revenue, resulting in a 260% operating deficit.

Mission

Build Commonwealth, Inc. strengthens the financial opportunity and security of low-and moderate-income consumers by innovating, incubating and stimulating new financial products and policies. Build Commonwealth, Inc. envisions a world where the financial system promotes lasting social and economic prosperity for every family.

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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 $1,438,050

Program Service Revenue $142,500

Investment Income $194,701

Other Revenue $0

TOTAL REVENUE $1,775,251

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,253,918

Fundraising Expenses $144,356

Program Expenses $5,736,494

Other Expenses $2,144,395

TOTAL EXPENSES $6,398,313

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,775,251	$14,939,563	-0.9%
Expenses	$6,398,313	$5,942,326	+0.1%
Net Income	$-4,623,062	$8,997,237	-1.5%

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

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

$255,701

Total Directors

$255,701

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Fred T Goldberg Jr	Director	2.00	Director	$0	$0	$0
Dr Kelli Keough	Director	2.00	Director	$0	$0	$0
Professor Georgia Keohane	Director	2.00	Director	$0	$0	$0
Professor Peter Tufano	President	2.00	Officer Director	$0	$0	$0
Timothy Flacke	CEO, Secy & Treasurer	40.00	Officer Director	$231,744	$23,957	$255,701
Lacrecia Cade	Director	2.00	Director	$0	$0	$0
Evelyn Stark	Director	2.00	Director	$0	$0	$0
Celia Edwards Karam	Director	2.00	Director	$0	$0	$0
Mary Dent	Director	2.00	Director	$0	$0	$0
Haydee Moreno	Director	2.00	Director	$0	$0	$0
Debra Plousha-Moore	Director	2.00	Director	$0	$0	$0
Nicholas Maynard	Sr. Vice President	40.00	Highest	$200,037	$7,115	$207,152
Paula Grieco	Sr. Vice President	40.00	Highest	$205,500	$7,285	$212,785
Michelle Carter	Sr. Vice President	40.00	Highest	$168,489	$23,294	$191,783
Brenda Velazquez	Sr. Vice President	40.00	Highest	$173,976	$5,143	$179,119

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	$1,775,251	$6,398,313	$8,676,886	$-4,623,062
2024	$14,939,563	$5,942,326	$13,586,512	$8,997,237
2023	$2,060,926	$5,605,403	$4,621,870	$-3,544,477
2022	$7,626,258	$4,684,040	$7,488,336	$2,942,218
2021	$1,917,151	$4,396,856	$4,562,136	$-2,479,705
2020	$1,194,758	$4,081,149	$7,072,004	$-2,886,391
2019	$11,363,097	$3,446,384	$9,946,582	$7,916,713

Build Commonwealth Inc