SOUTHWESTERN GRADUATE SCHOOL OF BANKING FOUNDATION (EIN 237091275) - 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

1957

Legal Domicile

Principal Officer

JILL CASTILLA

Phone

2147682990

Tax Period

2023-10-01 to 2024-09-30

SOUTHWESTERN GRADUATE SCHOOL OF BANKING FOUNDATION, founded in 1957, is a community nonprofit in the Education sector that reported $3.4M in total revenue in fiscal year 2023. Revenue surged 98% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 30% operating margin.

Mission

TO BE THE MOST TRUSTED EDUCATIONAL SOURCE FOR LOAN OFFICERS, BANK DIRECTORS, REGULATORS, COMMERCIAL LENDERS, AND MARKETING AND MANAGEMENT PROFESSIONALS.

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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 $84,473

Program Service Revenue $2,447,393

Investment Income $743,213

Other Revenue $167,699

TOTAL REVENUE $3,442,778

Expense Breakdown

Grants Paid $10,490

Salaries & Benefits $665,277

Fundraising Expenses $0

Program Expenses $1,650,479

Other Expenses $1,725,346

TOTAL EXPENSES $2,401,113

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,442,778	$1,738,355	+1.0%
Expenses	$2,401,113	$1,356,196	+0.8%
Net Income	$1,041,665	$382,159	+1.7%

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

$507,669

Total Directors

$278,573

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
jeffrey r schmid	PRESIDENT & CEO	40.0	Officer Director	$239,172	$39,401	$278,573
David Davis	Chief Operating Officer	40.0	Officer	$195,400	$33,696	$229,096
J CRAIG BUFORD	trustee	2.0	Director	$0	$0	$0
VICTOR PIERSON	TRUSTEE	2.0	Director	$0	$0	$0
Jill Castilla	CHAIR	2.0	Officer Director	$0	$0	$0
Thomas Gary Hudson	Vice-Chair	2.0	Officer Director	$0	$0	$0
Matthew B Myers PhD	trustee	2.0	Director	$0	$0	$0
Brad Cheves	trustee	2.0	Director	$0	$0	$0
R Scott heitkamp	trustee	2.0	Director	$0	$0	$0
darla r rooke	trustee	2.0	Director	$0	$0	$0
CHRISTOPHER J FURLOW	TRUSTEE	2.0	Director	$0	$0	$0
ROBERT L CLARKE	trustee	2.0	Director	$0	$0	$0
charles g cooper	trustee	2.0	Director	$0	$0	$0
david l kemp	trustee	2.0	Director	$0	$0	$0
jelena mcwilliams	trustee	2.0	Director	$0	$0	$0
christopher l williston vi	trustee	2.0	Director	$0	$0	$0
Mr F Scott Dueser	trustee	2.0	Director	$0	$0	$0
Mr William R Jenkins III	trustee	2.0	Director	$0	$0	$0
Ms Susannah T Marshall	trustee	2.0	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	$3,442,778	$2,401,113	$5,688,550	$1,041,665
2023	$1,738,355	$1,356,196	$4,937,692	$382,159
2022	$708,611	$1,486,728	$4,148,993	$-778,117
2021	$1,282,416	$887,025	$4,537,160	$395,391
2020	$606,392	$998,414	$4,350,804	$-392,022
2019	$1,040,542	$842,665	$4,365,048	$197,877
2018	$1,053,024	$800,651	$4,131,267	$252,373

SOUTHWESTERN GRADUATE SCHOOL OF BANKING FOUNDATION