CONTEMPORARY CREDIT CLUB II INC C/O SKWIERSKY ALPERT & BRESSLER LLP (EIN 201478576) - 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

LORI MILLER

Phone

2127140462

Tax Period

2023-01-01 to 2023-12-31

CONTEMPORARY CREDIT CLUB II INC C/O SKWIERSKY ALPERT & BRESSLER LLP, founded in 2004, is a micro nonprofit in the Human Services sector that reported $77K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year. Expenses of $86K exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROVIDE ITS MEMBERS A FORUM TO HELP PROMOTE KNOWLEDGE, SHARE EXPERTISE, INFORMATION AND IDEAS AND TO FOSTER TRADE, NETWORKING AND FRIENDLY RELATIONS.

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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 $76,638

Investment Income $0

Other Revenue $0

TOTAL REVENUE $76,638

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $85,748

Other Expenses $85,748

TOTAL EXPENSES $85,748

Year-over-Year Comparison

	2023	2022	Change
Revenue	$76,638	$94,762	-0.2%
Expenses	$85,748	$91,799	-0.1%
Net Income	$-9,110	$2,963	-4.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORI MILLER	PRESIDENT	1.00	Officer	$0	$0	$0
JEFF MANGIAFICO	VICE PRESIDENT	1.00	Officer	$0	$0	$0
CHRIS MAYO	SECRETARY & TRESURER	1.00	Officer	$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	$76,638	$85,748	$52,441	$-9,110
2022	$94,762	$91,799	$61,551	$2,963
2021	$34,441	$40,090	$58,588	$-5,649
2020	$19,563	$25,477	$64,237	$-5,914
2019	$98,204	$109,405	$70,151	$-11,201
2018	$74,047	$74,652	$81,352	$-605

CONTEMPORARY CREDIT CLUB II INC C/O SKWIERSKY ALPERT & BRESSLER LLP