SAN FRANCISCO DIVISION 36 OF THE CALIFORNIA RETIRED TEACHERS (EIN 263442007) - 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

2008

Legal Domicile

Principal Officer

LAURA GINSBERG

Phone

4155300991

Tax Period

2023-07-01 to 2024-06-30

SAN FRANCISCO DIVISION 36 OF THE CALIFORNIA RETIRED TEACHERS, founded in 2008, is a small nonprofit in the Education sector that reported $113K in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $32K, a strong 28% operating margin.

Mission

TO PROVIDE SCHOLARSHIPS TO DESERVING STUDENTS AND TEACHERS EACH YEAR.

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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 $516

Program Service Revenue $0

Investment Income $112,094

Other Revenue $0

TOTAL REVENUE $112,610

Expense Breakdown

Grants Paid $71,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $80,790

Other Expenses $9,790

TOTAL EXPENSES $80,790

Year-over-Year Comparison

	2023	2022	Change
Revenue	$112,610	$98,307	+0.1%
Expenses	$80,790	$564,049	-0.9%
Net Income	$31,820	$-465,742	-1.1%

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

N/A

Employees

N/A

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
LAURA GINSBERG	President	3.00	Officer	$0	$0	$0
BETTY MURRAY	Secretary	5.00	Officer	$0	$0	$0
MARLENE CORDOVA	Treasurer	2.00	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
2025	No data	No data	No data	No data
2024	$112,610	$80,790	$661,194	$31,820
2023	$98,307	$564,049	$629,374	$-465,742
2020	$61,845	$44,752	$1,149,852	$17,093
2019	$58,942	$37,487	$1,148,316	$21,455
2018	$32,821	$30,376	$1,051,133	$2,445

SAN FRANCISCO DIVISION 36 OF THE CALIFORNIA RETIRED TEACHERS