Community Financial Resources (EIN 203788598) - 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

2005

Legal Domicile

Phone

9176011377

Tax Period

2024-01-01 to 2024-12-31

Community Financial Resources, founded in 2005, is a small nonprofit in the Public & Societal Benefit sector that reported $785K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $1.3M exceeded revenue, resulting in a 65% operating deficit.

Mission

CFR provides research, education, program development and technical assistance for non-profit organizations and their low-income constituents on financial literacy, money management, and accessing and effectively using low-cost financial products and services.

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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 $319,569

Program Service Revenue $453,450

Investment Income $12,419

Other Revenue $0

TOTAL REVENUE $785,438

Expense Breakdown

Grants Paid $73,452

Salaries & Benefits $928,949

Fundraising Expenses $53,692

Program Expenses $1,076,758

Other Expenses $269,214

TOTAL EXPENSES $1,294,118

Year-over-Year Comparison

	2024	2023	Change
Revenue	$785,438	$1,015,485	-0.2%
Expenses	$1,294,118	$1,026,679	+0.3%
Net Income	$-508,680	$-11,194	+44.4%

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

$247,853

Total Directors

$147,559

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Parisa Esmaili	Executive Dir.	40.00	Officer Director	$142,418	$5,141	$147,559
Carol Iascone	Operations Manager	40.00		$111,760	$7,660	$119,420
Cynthini West	CFO	40.00	Officer	$100,294	$0	$100,294
Beadsie Woo	President	2.00	Officer Director	$0	$0	$0
Kendall Baker	Sec/Treasurer	1.00	Officer Director	$0	$0	$0
Lauren Leimbach	Founder & Board	1.00	Director	$0	$0	$0
Rebeca Rangel	Board Member	1.00	Director	$0	$0	$0
Lydia Bustamante	Board Member	1.00	Director	$0	$0	$0
Suwandi Tandjung	Board Member	1.00	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	$785,438	$1,294,118	$3,518,526	$-508,680
2023	$1,015,485	$1,026,679	$4,054,828	$-11,194
2022	$1,083,185	$651,375	$5,378,662	$431,810
2021	$1,081,485	$610,379	$2,244,182	$471,106
2020	$460,531	$651,668	$1,145,298	$-191,137
2019	$428,808	$479,535	$951,703	$-50,727
2018	$402,918	$502,718	$988,264	$-99,800

Community Financial Resources