SCHOOLS OF BANKING INC (EIN 237296165) - 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

1965

Legal Domicile

Principal Officer

TAMI R LUTZI

Phone

4024741555

Tax Period

2025-01-01 to 2025-12-31

SCHOOLS OF BANKING INC, founded in 1965, is a small nonprofit that reported $744K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $709K left a modest 5% surplus.

Mission

BANKING EDUCATIONAL SEMINARS

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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 (2025)

Revenue Breakdown

Contributions & Grants $2,283

Program Service Revenue $682,087

Investment Income $58,430

Other Revenue $1,501

TOTAL REVENUE $744,301

Expense Breakdown

Grants Paid $0

Salaries & Benefits $270,355

Fundraising Expenses $0

Program Expenses $312,858

Other Expenses $438,413

TOTAL EXPENSES $708,768

Year-over-Year Comparison

	2025	2024	Change
Revenue	$744,301	$646,683	+0.2%
Expenses	$708,768	$634,392	+0.1%
Net Income	$35,533	$12,291	+1.9%

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

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

$938,862

Total Directors

$1,167,993

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD BAIER	PRESIDENT	1.00	Officer Director	$0	$82,588	$391,646
DOUGLAS WAREHAM	VICE PRESIDE	1.00	Officer Director	$0	$42,687	$381,113
RON ARRIGO	BOARD MEMBER	1.00	Director	$0	$52,116	$221,553
BRENDA UNRUH	BOARD MEMBER	1.00	Director	$0	$27,082	$173,681
TAMI R LUTZI	EXECUTIVE DI	40.00	Officer	$139,921	$26,182	$166,103
JULIE HOWER	BOARD MEMBER	1.00	Director	$0	$0	$0
KENDAL KAY	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK LINVILLE	BOARD MEMBER	1.00	Director	$0	$0	$0
TRAVIS SEARS	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
2025	$744,301	$708,768	$601,720	$35,533
2024	No data	No data	No data	No data
2023	$715,660	$658,967	$585,161	$56,693
2022	$623,840	$610,128	$532,794	$13,712
2021	$685,852	$587,223	$464,425	$98,629
2020	$263,140	$400,770	$427,636	$-137,630
2019	$624,004	$636,119	$500,446	$-12,115
2018	$644,663	$741,979	$534,128	$-97,316

SCHOOLS OF BANKING INC