UNCOMMON LENDER INC (EIN 263594129) - 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

JOHN POWELL

Phone

6467742150

Tax Period

2023-07-01 to 2024-06-30

UNCOMMON LENDER INC, founded in 2008, is a mid-sized nonprofit in the Education sector that reported $12.1M in total revenue in fiscal year 2023. The organization ran a surplus of $5.2M, a strong 43% operating margin.

Mission

TO SUPPORT UNCOMMON SCHOOLS, INC.'S REAL ESTATE AND OTHER ACTIVITIES BY PROVIDING SUBORDINATE DEBT AND EQUITY THROUGH LOANS, GRANTS, LOAN PARTICIPATION PURCHASES AND EQUITY CONTRIBUTIONS.

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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 $0

Program Service Revenue $10,887,336

Investment Income $0

Other Revenue $1,190,488

TOTAL REVENUE $12,077,824

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $6,848,834

Other Expenses $6,848,834

TOTAL EXPENSES $6,848,834

Year-over-Year Comparison

	2023	2022	Change
Revenue	$12,077,824	$11,801,648	+0.0%
Expenses	$6,848,834	$11,602,952	-0.4%
Net Income	$5,228,990	$198,696	+25.3%

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

N/A

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

$995,270

Total Directors

$995,270

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRETT PEISER	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$47,342	$712,259
JOHN POWELL	SENIOR VICE PRESIDENT	1.00	Officer Director	$0	$3,526	$204,385
PEGGY LIAO	SENIOR VICE PRESIDENT	1.00	Officer Director	$0	$2,637	$78,626
NORMAN ATKINS	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT MARCUS	DIRECTOR	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	No data	No data	No data	No data
2024	$12,077,824	$6,848,834	$180,182,405	$5,228,990
2023	$11,801,648	$11,602,952	$178,574,817	$198,696
2022	$12,168,791	$11,502,688	$174,239,408	$666,103
2021	$12,059,737	$7,376,781	$171,362,238	$4,682,956
2020	$10,813,934	$8,583,152	$161,597,822	$2,230,782
2019	$10,574,064	$8,172,534	$161,020,380	$2,401,530
2018	$9,487,406	$7,594,138	$160,646,858	$1,893,268

UNCOMMON LENDER INC