CALCPA INSTITUTE (EIN 200978565) - 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

2004

Legal Domicile

Principal Officer

Natalie Quan

Phone

6505223021

Tax Period

2024-05-01 to 2025-04-30

CALCPA INSTITUTE, founded in 2004, is a small nonprofit in the Education sector that reported $525K in total revenue in fiscal year 2024. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $1.5M exceeded revenue, resulting in a 179% operating deficit.

Mission

ADVANCE FINANCIAL EDUCATION AND IMPROVE FINANCIAL LITERACY OF THE PUBLIC.

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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 $356,961

Program Service Revenue $14,833

Investment Income $152,768

Other Revenue $0

TOTAL REVENUE $524,562

Expense Breakdown

Grants Paid $544,063

Salaries & Benefits $620,435

Fundraising Expenses $0

Program Expenses $1,454,584

Other Expenses $298,222

TOTAL EXPENSES $1,462,720

Year-over-Year Comparison

	2024	2023	Change
Revenue	$524,562	$398,027	+0.3%
Expenses	$1,462,720	$1,094,831	+0.3%
Net Income	$-938,158	$-696,804	+0.3%

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

N/A

Volunteers

128

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

$871,184

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Denise Froemming	President and CEO	1.0	Officer	$0	$14,864	$576,050
Natalie Quan	VP and CFO of Financial Strategy and Business Excellence	1	Officer	$0	$15,423	$295,134
Heather Collins	Senior Director-DE&I, Pipeline and Engagement	40	Highest	$0	$11,069	$200,012
Tayiika Dennis	Past Chair (Immediate) through 7-2024	0.1	Officer Director	$0	$0	$0
Meredith Johnson	Past Chair (Immediate)	0.1	Officer Director	$0	$0	$0
Matthew Martin	Chair	0.1	Officer Director	$0	$0	$0
Jillian N Phan	First Vice Chair	0.1	Officer Director	$0	$0	$0
Miklos Ringbauer	Secretary/Treasurer	0.1	Officer Director	$0	$0	$0
Andrea Cope	Foundation President (through 7-2024)	0.1	Director	$0	$0	$0
Ruben Davila	Foundation President (eff 7-2024)	0.1	Director	$0	$0	$0
Grace Clark	Vice Chair	0.1	Officer Director	$0	$0	$0
Jonathan Bryson	Vice Chair	0.1	Officer Director	$0	$0	$0
Mike Ray	Vice Chair (eff 7-2024)	0.1	Officer Director	$0	$0	$0
Dalton R Sweaney	Vice Chair (eff 7-2024)	0.1	Officer Director	$0	$0	$0
David J Neighbors	Vice Chair (through 7-2024)	0.1	Director	$0	$0	$0
Mei-Li Huang	Appointed Member (through 7-2024)	0.1	Director	$0	$0	$0
Adam Blaylock	Appointed Member	0.1	Director	$0	$0	$0
Amber Setter	Appointed Member (eff 7-2024)	0.1	Director	$0	$0	$0
Erin Roche	Council Representative (through 7-2024)	0.1	Director	$0	$0	$0
Marjorie McPike	Council Representative	0.1	Director	$0	$0	$0
Charles Osaki	Council Representative	0.1	Director	$0	$0	$0
Glenn Freed	Council Representative (eff 7-2024)	0.1	Director	$0	$0	$0
Julia Walther	Council Representative (eff 7-2024)	0.1	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	$524,562	$1,462,720	$3,485,241	$-938,158
2024	$398,027	$1,094,831	$3,390,023	$-696,804
2023	$508,860	$1,180,490	$3,041,053	$-671,630
2022	$680,300	$467,402	$3,111,213	$212,898
2021	$494,319	$350,410	$3,309,397	$143,909
2020	$591,341	$547,540	$2,866,431	$43,801
2019	$937,170	$960,665	$3,005,650	$-23,495
2018	$794,778	$937,341	$2,788,863	$-142,563

CALCPA INSTITUTE