BORDER FINANCIAL RESOURCES (EIN 043835569) - 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

2005

Legal Domicile

Principal Officer

MARCO ANTONIO REYES

Phone

9286278559

Tax Period

2024-01-01 to 2024-12-31

BORDER FINANCIAL RESOURCES, founded in 2005, is a small nonprofit in the Community Improvement sector that reported $230K in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $324K exceeded revenue, resulting in a 41% operating deficit.

Mission

PROVIDE LOANS TO SMALL BUSINESSES AND CONSUMERS ALONG WITH MORTGAGE LOANS TO LOW AND MODERATE INCOME FAMILIES.

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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 $181,247

Program Service Revenue $13,220

Investment Income $35,113

Other Revenue $0

TOTAL REVENUE $229,580

Expense Breakdown

Grants Paid $0

Salaries & Benefits $221,472

Fundraising Expenses $0

Program Expenses $259,209

Other Expenses $102,542

TOTAL EXPENSES $324,014

Year-over-Year Comparison

	2024	2023	Change
Revenue	$229,580	$171,471	+0.3%
Expenses	$324,014	$272,548	+0.2%
Net Income	$-94,434	$-101,077	-0.1%

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

$228,652

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSE I GONZALEZ	CHAIRMAN	3.00	Officer Director	$0	$0	$0
CARMEN ORTIZ	TREASURER	3.00	Officer Director	$0	$0	$0
CLAUDIA GAMEZ	SECRETARY	3.00	Director	$0	$0	$0
GEORGE GUERRERO	VICE CHAIRMAN	3.00	Director	$0	$0	$0
MARCO ANTONIO REYES	EXECUTIVE DIRECTOR	40.00	Officer	$0	$0	$228,652

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	$229,580	$324,014	$853,862	$-94,434
2023	$171,471	$272,548	$833,353	$-101,077
2022	$256,015	$228,379	$844,130	$27,636
2021	$355,357	$192,730	$693,590	$162,627
2020	$236,390	$179,539	$454,008	$56,851
2019	$269,446	$193,993	$395,192	$75,453
2018	$141,745	$141,601	$403,217	$144

BORDER FINANCIAL RESOURCES