ASSETS LANCASTER

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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

1995

Legal Domicile

Principal Officer

ANDRES ZORILLA

Phone

7173936089

Tax Period

2024-07-01 to 2025-06-30

ASSETS LANCASTER, founded in 1995, is a community nonprofit in the Community Improvement sector that reported $1.2M in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Expenses of $1.7M exceeded revenue, resulting in a 48% operating deficit.

Mission

ASSETS LANCASTER IS A NON-PROFIT THAT WORKS WITH START-UP AND EXISTING BUSINESSES TO FORM A MORE EQUITABLE AND ETHICAL ECONOMY. ASSETS LANCASTER OFFERS IN-DEPTH TRAINING AND FINANCING FOR ENTREPRENEURS, AND WORKS WITH ESTABLISHED BUSINESSES TO IMPROVE THEIR SOCIAL AND ENVIRONMENTAL IMPACT.

Program Service Accomplishments

Program 1

Expenses: $1,202,707 Revenue: $26,937

ASSETS LANCASTER OFFERS MICROENTERPRISE DEVELOPMENT THROUGH TRAINING AND LENDING SERVICES FOR MICROENTERPRISES. ASSETS LANCASTER'S MICRO-LENDING IS DESIGNED TO PROVIDE SMALL AMOUNTS OF WORKING...

ASSETS LANCASTER OFFERS MICROENTERPRISE DEVELOPMENT THROUGH TRAINING AND LENDING SERVICES FOR MICROENTERPRISES. ASSETS LANCASTER'S MICRO-LENDING IS DESIGNED TO PROVIDE SMALL AMOUNTS OF WORKING CAPITAL TO BUSINESS ENTREPRENEURS. THE LOANS WILL TYPICALLY RANGE BETWEEN 10,000 AND 20,000. THERE WERE 13 NEW LOANS WITH AN AVERAGE BALANCE OF 10,769 FOR THE FISCAL YEAR ENDING 6/30/25.

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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 $1,151,074

Program Service Revenue $26,937

Investment Income $0

Other Revenue $1,961

TOTAL REVENUE $1,179,972

Expense Breakdown

Grants Paid $155,350

Salaries & Benefits $1,126,825

Fundraising Expenses $140,356

Program Expenses $1,202,707

Other Expenses $465,410

TOTAL EXPENSES $1,747,585

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,179,972	$1,355,244	-0.1%
Expenses	$1,747,585	$1,474,284	+0.2%
Net Income	$-567,613	$-119,040	+3.8%

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

$189,845

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAIME ARROYO	CEO	40.00	Officer	$97,721	$10,240	$107,961
ANDRES ZORILLA	INTERIM EXEC	40.00	Officer	$66,671	$15,213	$81,884
PETER BARBER	CHAIR	2.00	Officer Director	$0	$0	$0
CHAMPAGNE DOMINGO	DIRECTOR	2.00	Director	$0	$0	$0
AMER AL FAYADH	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA GEHMAN	DIRECTOR	2.00	Director	$0	$0	$0
KATHY GRANBOIS	DIRECTOR	2.00	Director	$0	$0	$0
LANCE GREENE	VICE CHAIR	2.00	Officer Director	$0	$0	$0
KENT HARTZLER	DIRECTOR	2.00	Director	$0	$0	$0
BECCA HRUBOCHAK	DIRECTOR	2.00	Director	$0	$0	$0
TOM MALESIC	DIRECTOR	2.00	Director	$0	$0	$0
JOSEPH MARTINEZ	DIRECTOR	2.00	Director	$0	$0	$0
YESSENIA RIOS	DIRECTOR	2.00	Director	$0	$0	$0
DENISE WAYMAN	SECRETARY	2.00	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
2025	$1,179,972	$1,747,585	$1,111,040	$-567,613
2024	No data	No data	No data	No data
2023	$973,060	$1,413,694	$1,576,743	$-440,634
2022	$1,513,730	$1,411,062	$1,401,857	$102,668
2021	$2,780,579	$2,318,936	$1,755,070	$461,643
2019	$1,533,097	$1,349,616	$1,031,880	$183,481
2018	$1,131,102	$1,544,814	$624,877	$-413,712