ZBS FOUNDATION

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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

1973

Legal Domicile

Principal Officer

THOMAS LOPEZ

Tax Period

2024-05-01 to 2025-04-30

ZBS FOUNDATION, founded in 1973, is a micro nonprofit that reported $68K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $78K exceeded revenue, resulting in a 15% operating deficit.

Mission

WRITE AND PRODUCE RADIO TALK STORIES FOR PUBLIC RADIO AND SALE

Program Service Accomplishments

Program 1

Expenses: $4,225

RUBY 15 - CREATURES OF THE LIGHT IN THE OASIS CITY OF SIDDHI INFINI, IS A SECRET CALLED THE CENTER. STREETS THAT GO IN, NEVER DO, THEY JUST CIRCLE AROUND. THEY SAY THE CENTER IS SACRED, FEW OUTSIDERS...

Program 2

Expenses: $4,225

RUBY 14 - RUBY IS HIRED TO ENTER THE CENTER. IT IS SACRED TO SOM AND FORBIDDEN TO OTHERS. SOME SAY THOSE WHO GO IN MAY NEVER COME OUT. MEANWHILE THE DIGITAL CURCUS IS BACK WITH THREE RINGS. NIGHTMARE ELLIS IS HIRED T PALY THE EVIL CLOWN. BOOTSY THE ANDROID BECOMES AN AERIALIST. THE LISSTLE FRITZI APPEARS IN KAPOORS DREAMS.

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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 $39,654

Program Service Revenue $23,254

Investment Income $168

Other Revenue $4,744

TOTAL REVENUE $67,820

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,092

Fundraising Expenses $0

Program Expenses $8,450

Other Expenses $62,186

TOTAL EXPENSES $78,278

Year-over-Year Comparison

	2024	2023	Change
Revenue	$67,820	$90,355	-0.2%
Expenses	$78,278	$65,707	+0.2%
Net Income	$-10,458	$24,648	-1.4%

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

N/A

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
THOMAS LOPEZ	PRESIDENT	20.00	Officer Director	$0	$0	$0
ROBERT FRUCHTER	SECY TREASURER	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	$67,820	$78,278	$42,938	$-10,458
2024	$90,355	$65,707	$53,397	$24,648
2023	$85,985	$75,428	$41,915	$10,557
2022	$90,608	$77,207	$29,294	$13,401
2021	$96,629	$85,545	$19,626	$11,084
2020	$66,204	$66,802	$14,144	$-598