LEARNING & LOVING EDUCATION CENTER (EIN 203270605) - 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

2013

Legal Domicile

Tax Period

2019-10-01 to 2020-09-30

LEARNING & LOVING EDUCATION CENTER, founded in 2013, is a small nonprofit that reported $391K in total revenue in fiscal year 2019. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $336K left a modest 14% surplus.

Mission

TO OFFER ENGLISH, COMPUTER & GED CLASSES TO IMMIGRANTS AND OFFER PRE-KINDERGARTEN CLASSES TO THEIR CHILDREN.

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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 (2019)

Revenue Breakdown

Contributions & Grants $333,241

Program Service Revenue $53,995

Investment Income $2,375

Other Revenue $1,870

TOTAL REVENUE $391,481

Expense Breakdown

Grants Paid $0

Salaries & Benefits $197,882

Fundraising Expenses $26,069

Program Expenses $203,289

Other Expenses $116,519

TOTAL EXPENSES $336,443

Year-over-Year Comparison

	2019	2018	Change
Revenue	$391,481	$355,855	+0.1%
Expenses	$336,443	$338,776	0.0%
Net Income	$55,038	$17,079	+2.2%

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
MARIO BANUELOS	TRUSTEE	2.00	Director	$0	$0	$0
VICKI CAMPANELLA	TRUSTEE	4.00	Director	$0	$0	$0
ANGELICA DIAZ	TRUSTEE	2.00	Director	$0	$0	$0
CECILE MANTECON	TRUSTEE	3.00	Director	$0	$0	$0
AMY TRIPOLI	TRUSTEE	2.00	Director	$0	$0	$0
CHRISTA HANSON	EXECUTIVE DIRECTOR	40.00	Director Highest	$0	$0	$0
SISTER PAM CHIESA	TRUSTEE	2.00	Director	$0	$0	$0
SISTER GIOVANNA CAMPANELLA	TRUSTEE	2.00	Director	$0	$0	$0
DAN SANIDAD	TRUSTEE	2.00	Director	$0	$0	$0
EULA IDEMOTO	TRUSTEE	2.00	Director	$0	$0	$0
KATHY MARTARANO	TRUSTEE	2.00	Director	$0	$0	$0
DAVE REYNOLDS	TRUSTEE	0.00	Director	$0	$0	$0
MARTHA ARTILES	TRUSTEE	0.00	Director	$0	$0	$0
JIM YINGER	TRUSTEE OFFICER	4.00	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
2020	$391,481	$336,443	$270,956	$55,038
2019	$356,121	$338,776	$223,080	$17,345
2018	$290,783	$338,991	$203,704	$-48,208

LEARNING & LOVING EDUCATION CENTER