CHIEF PETTY OFFICER SCHOLARSHIP FUND CPOSF (EIN 200331953) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1998

Legal Domicile

Principal Officer

Steven Giordano

Phone

7572339136

Tax Period

2025-01-01 to 2025-12-31

CHIEF PETTY OFFICER SCHOLARSHIP FUND, founded in 1998, is a small nonprofit in the Education sector that reported $124K in total revenue in fiscal year 2019. Revenue decreased 18% compared to the prior year. Net assets of $428K represent 42 months of operating reserves.

Mission

Our mission is to be a viable non profit organization established solely for the purpose of generating and distributing funds to provide educational opportunities for qualified family members of United States Navy Chief Petty Officers.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $57,252

Program Service Revenue $0

Investment Income $12,579

Other Revenue $0

TOTAL REVENUE $69,831

Expense Breakdown

Grants Paid $61,415

Salaries & Benefits $0

Fundraising Expenses $415

Program Expenses $61,415

Other Expenses $10,146

TOTAL EXPENSES $71,561

Year-over-Year Comparison

	2025	2024	Change
Revenue	$69,831	$113,923	-0.4%
Expenses	$71,561	$125,651	-0.4%
Net Income	$-1,730	$-11,728	-0.9%

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

N/A

Employees

N/A

Volunteers

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
Steven Giordano	Chairman	5	Officer Director	$0	$0	$0
Scott Kelley	Vice Chairman	5	Officer Director	$0	$0	$0
Billy Smith	President	5	Officer Director	$0	$0	$0
William Bond	Treasurer	5	Officer Director	$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
2025	$69,831	$71,561	$502,327	$-1,730
2024	$113,923	$125,651	$504,057	$-11,728
2023	$131,245	$103,737	$521,268	$27,508
2022	$135,740	$135,979	$493,761	$-239
2021	$123,770	$83,790	$494,000	$39,980
2020	$114,411	$88,201	$454,020	$26,210
2019	$123,630	$121,940	$427,810	$1,690

CHIEF PETTY OFFICER SCHOLARSHIP FUND CPOSF