CAPITAL SISTERS INTERNATIONAL INC

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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

2001

Legal Domicile

Principal Officer

PATRICIA F HINNEN

Phone

3037585558

Tax Period

2025-01-01 to 2025-12-31

CAPITAL SISTERS INTERNATIONAL INC, founded in 2001, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $358K in total revenue in fiscal year 2025. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $71K, a strong 20% operating margin.

Mission

TO PROVIDE GRANTS, LOANS, AND LOAN GUARANTEES TO ASSIST THE MICROFINANCE INDUSTRY IN MAKING MICRO LOANS TO IMPOVERISHED WOMEN AND TO PROVIDE DONORS AND INVESTORS AN OPPORTUNITY TO MAKE TARGETED INVESTMENTS IN POVERTY ALLEVIATION THROUGH MICROFINANCE.

Program Service Accomplishments

Program 1

Expenses: $161,776

INVESTMENT PROGRAM: RAISE IMPACT INVESTMENT FUNDS FOR MICROFINANCE ORGANIZATIONS THAT ON-LEND THE CAPITAL TO IMPOVERISHED WOMEN IN DEVELOPING COUNTRIES SO THEY CAN START OR BUILD A MICRO ENTERPRISE. CAPITAL SISTERS INTERNATIONAL FINANCES ITS IMPACT INVESTMENT FUND BY SELLING $1,000 ZERO-INTEREST BONDS TO THE GENERAL PUBLIC AND LENDS THE PROCEEDS (WITH ZERO INTEREST) TO MICROFINANCE INSTITUTIONS WHOSE MISSIONS ARE ALIGNED WITH THAT OF CAPITAL SISTERS AND WHO SATISFY OUR OTHER LENDING CRITERIA.WHEN OUR MICROFINANCE PARTNERS REPAY THE ZERO INTEREST LOANS, CAPITAL SISTERS REPAYS ITS INVESTORS. AS THE CREATOR OF THE WORLD'S FIRST PERSON-TO-PERSON LENDING MODEL AND THE WORLD'S FIRST WOMEN'S BOND, CAPITAL SISTERS IS PIONEERING AN ALTERNATIVE TO (SEE SCHEDULE O) (CONTINUED) TRADITIONAL CHARITY MODELS WHERE RESOURCES ARE DEPLETED AS SERVICES ARE DELIVERED. IN USING A "BLENDED FINANCE" MODEL, CAPITAL SISTERS DEFINES ITS IMPACT BY "LOANS MADE AND REPAID", NOT RESOURCES EXPENDED AS IS DONE BY TRADITIONAL CHARITIES. UNFORTUNATELY, THE IMPACT CREATED BY OUR LENDING PORTFOLIO, WHICH COMPRISES THE VAST MAJORITY OF OUR RESOURCES AND ACTIVITIES, IS NOT COUNTED AS IMPACT IN THE PROGRAM SERVICES SECTION OF THE 990, WHICH WAS DESIGNED FOR TRADITIONAL CHARITIES.

Program 2

Expenses: $34,348

EDUCATION AND ADVOCACY PROGRAM: EDUCATE PUBLIC AND PRIVATE COMMUNITIES REGARDING THE IMPACT OF MICROFINANCE ADVOCATE FOR MORE ENABLING PUBLIC POLICY FOR THE MICROFINANCE INDUSTRY, AND PROMOTE GENDER...

Program 3

GRANTS PROGRAM: PROVIDE GRANTS TO ASSIST THE MICROFINANCE INDUSTRY IN MAKING MICRO LOANS TO IMPOVERISHED WOMEN, AND TO HELP BUILD THE GENDER LENS INVESTING ECOSYSTEM.

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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 (2025)

Revenue Breakdown

Contributions & Grants $325,945

Program Service Revenue $0

Investment Income $9,595

Other Revenue $21,969

TOTAL REVENUE $357,509

Expense Breakdown

Grants Paid $34,348

Salaries & Benefits $173,332

Fundraising Expenses $34,580

Program Expenses $196,124

Other Expenses $78,907

TOTAL EXPENSES $286,587

Year-over-Year Comparison

	2025	2024	Change
Revenue	$357,509	$277,702	+0.3%
Expenses	$286,587	$266,401	+0.1%
Net Income	$70,922	$11,301	+5.3%

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

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
LARRY GREENWOOD	BOARD MEMBER	3.00	Director	$0	$0	$0
PATRICIA FOLEY HINNEN	PRESIDENT	40.00	Officer Director	$0	$0	$0
CINDY LINDSAY	TREASURER	3.00	Officer Director	$0	$0	$0
BRITT HINNEN	SECRETARY	3.00	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	$357,509	$286,587	$1,467,895	$70,922
2024	$277,702	$266,401	$1,332,002	$11,301
2023	$270,735	$243,032	$1,211,068	$27,703
2022	$371,219	$225,500	$1,165,168	$145,719
2021	$269,324	$233,644	$1,036,392	$35,680
2020	$279,814	$217,939	$1,035,983	$61,875
2019	$313,940	$247,774	$896,660	$66,166
2018	$216,062	$259,477	$836,188	$-43,415