Moneythink (EIN 271052771) - 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

2009

Legal Domicile

Principal Officer

Joshua Lachs

Phone

6262024850

Tax Period

2023-01-01 to 2023-12-31

Moneythink, founded in 2009, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $1.5M exceeded revenue, resulting in a 32% operating deficit.

Mission

Financial education and peer mentorship to 11th and 12th graders

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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 $1,146,617

Program Service Revenue $0

Investment Income $-16,945

Other Revenue $0

TOTAL REVENUE $1,129,672

Expense Breakdown

Grants Paid $0

Salaries & Benefits $985,141

Fundraising Expenses $78,983

Program Expenses $1,290,669

Other Expenses $506,296

TOTAL EXPENSES $1,491,437

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,129,672	$1,996,587	-0.4%
Expenses	$1,491,437	$2,286,220	-0.3%
Net Income	$-361,765	$-289,633	+0.2%

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

$227,453

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gregory Nance	Chairman	6.00	Officer Director	$0	$0	$0
Leigh Phillips	Treasurer	5.00	Officer Director	$0	$0	$0
Matt Taylor	Director	5.00	Director	$0	$0	$0
Patrice Berry	Secretary	6.00	Officer Director	$0	$0	$0
R Jerry Nemorin	Director	5.00	Director	$0	$0	$0
Meera Iyer	Director	5.00	Director	$0	$0	$0
Jashua Lachs	CEO	40.00	Officer	$208,667	$18,786	$227,453
Benjamin May	API Product Manager	40.00	Highest	$105,620	$13,694	$119,314
Sara O'Hearn	VP of Product	40.00	Highest	$162,415	$22,763	$185,178

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
2023	$1,129,672	$1,491,437	$647,299	$-361,765
2022	$1,996,587	$2,286,220	$1,525,712	$-289,633
2021	$2,607,050	$1,305,515	$2,812,630	$1,301,535
2020	$1,484,808	$765,441	$1,140,905	$719,367
2019	$699,767	$1,018,892	$155,422	$-319,125
2018	$1,298,622	$1,297,998	$460,888	$624

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