Finman Corp (EIN 237177057) - 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

1970

Legal Domicile

Principal Officer

Michelle Lord

Phone

8339464512

Tax Period

2024-01-01 to 2024-12-31

Finman Corp, founded in 1970, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum. Net assets of $3.3M represent 26 months of operating reserves.

Mission

To develop and disseminate knowledge about financial decision making

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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 $0

Program Service Revenue $1,439,632

Investment Income $81,329

Other Revenue $13,436

TOTAL REVENUE $1,534,397

Expense Breakdown

Grants Paid $5,666

Salaries & Benefits $680,139

Fundraising Expenses $0

Other Expenses $887,376

TOTAL EXPENSES $1,573,181

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,534,397	$1,228,150	+0.2%
Expenses	$1,573,181	$1,562,031	+0.0%
Net Income	$-38,784	$-333,881	-0.9%

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

1200

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

$243,879

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE LORD	Executive Director	60.00	Key Emp	$222,056	$21,823	$243,879
RAGHAVENDRA RAU	President Elect	1.00	Officer	$0	$0	$0
MARA FACCIO	President	2.00	Officer	$0	$0	$0
ALEX EDMANS	VP Program Elect	1.00	Officer	$0	$0	$0
JARRAD HARFORD	VP Program	1.00	Officer	$0	$0	$0
CHRISTINE PARLOUR	VP Global Services	1.00	Officer	$0	$0	$0
MICHAEL GOLDSTEIN	Secretary Treasurer	1.00	Officer	$0	$0	$0
KAREN ANN CRAIG	Student Chapter Chair	1.00	Officer	$0	$0	$0
JEFFREY COLES	Publication Comm Chair	1.00	Officer	$0	$0	$0
WEI WANG	VP Financial Education	1.00	Officer	$0	$0	$0
NICOLE BOYSON	Academic Director	1.00	Officer	$0	$0	$0
KRISTINE HANKINS	Academic Director	1.00	Officer	$0	$0	$0
JUN YANG	Academic Director	1.00	Officer	$0	$0	$0
ANUP AGRAWAL	Academic Director	1.00	Officer	$0	$0	$0
UTPAL BHATTACHARYA	Academic Director	1.00	Officer	$0	$0	$0
ALEXANDER LJUNGQVIST	Academic Director	1.00	Officer	$0	$0	$0
DALIDA KADYRZHANOVA	Practitioner Director	1.00	Officer	$0	$0	$0
MICHAEL PIWOWAR	Practitioner Director	1.00	Officer	$0	$0	$0
LORI WALSH	Practitioner Director	1.00	Officer	$0	$0	$0
SCOTT BAUGUESS	Practitioner Director	1.00	Officer	$0	$0	$0
TOM GOSLING	Practitioner Director	1.00	Officer	$0	$0	$0
JENNIFER JUERGENS	Practitioner Director	1.00	Officer	$0	$0	$0
ROBERT PARRINO	Trustee Chair	1.00	Officer	$0	$0	$0
MICHELLE LOWRY	Immediate Past Pres	1.00	Officer	$0	$0	$0
REENA AGGARWAL	Trustee	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	$1,534,397	$1,573,181	$3,320,062	$-38,784
2023	$1,228,150	$1,562,031	$3,071,645	$-333,881
2022	$1,247,249	$1,404,811	$3,046,321	$-157,562
2021	$1,000,447	$1,153,166	$3,885,412	$-152,719
2020	$695,248	$1,117,664	$3,607,643	$-422,416

Finman Corp