BOULDER INSTITUTE OF MICROFINANCE C/O ROBERT PECK CHRISTEN (EIN 201175839) - 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

ROBERT PECK CHRISTEN

Phone

3157603091

Tax Period

2023-01-01 to 2023-12-31

BOULDER INSTITUTE OF MICROFINANCE C/O ROBERT PECK CHRISTEN, founded in 2004, is a small nonprofit in the Education sector that reported $103K in total revenue in fiscal year 2023. Revenue fell 77% from the prior year — a significant decline worth monitoring. Expenses of $353K exceeded revenue, resulting in a 241% operating deficit.

Mission

TO PROMOTE EDUCATION THROUGH CONDUCTING NATIONAL AND INTERNATIONAL TRAINING PROGRAMS OF THE FINANCIAL VALUE CHAIN.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $102,000

Investment Income $1,296

Other Revenue $0

TOTAL REVENUE $103,296

Expense Breakdown

Grants Paid $0

Salaries & Benefits $173,721

Fundraising Expenses $0

Program Expenses $81,197

Other Expenses $178,786

TOTAL EXPENSES $352,507

Year-over-Year Comparison

	2023	2022	Change
Revenue	$103,296	$454,055	-0.8%
Expenses	$352,507	$843,223	-0.6%
Net Income	$-249,211	$-389,168	-0.4%

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

$111,506

Total Directors

$140,599

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT PECK CHRISTEN	PRESIDENT	25.00	Officer Director	$90,000	$9,506	$99,506
CONSUELO MUNOZ ARAYA	MEMBER	40.00	Director	$25,000	$4,093	$29,093
ZACH FULLER	TREASURER	0.50	Officer Director	$12,000	$0	$12,000
DJIBRIL MBENGUE	MEMBER	0.50	Director	$0	$0	$0
LUCY LAWRENCE	MEMBER	0.50	Director	$0	$0	$0
RICHARD ROSENBERG	MEMBER	0.50	Director	$0	$0	$0
SOUSAN URROZ-KOROI	SECRETARY	0.50	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
2024	No data	No data	No data	No data
2023	$103,296	$352,507	$779,684	$-249,211
2022	$454,055	$843,223	$1,023,602	$-389,168
2021	$368,167	$691,186	$1,492,552	$-323,019
2020	$35,797	$750,633	$1,746,777	$-714,836
2019	$2,185,280	$2,134,955	$2,490,824	$50,325
2018	$2,818,096	$2,887,575	$3,181,259	$-69,479

BOULDER INSTITUTE OF MICROFINANCE C/O ROBERT PECK CHRISTEN