SOUTH TEXAS EMERGING MARKETS DEVELOPMENT FUND INC (EIN 271198123) - 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

CARLOS CANTU

Phone

9567972261

Tax Period

2017-10-01 to 2018-09-30

SOUTH TEXAS EMERGING MARKETS DEVELOPMENT FUND INC, founded in 2009, is a micro nonprofit that reported $6K in total revenue in fiscal year 2017. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $19K exceeded revenue, resulting in a 244% operating deficit.

Mission

PROVIDING LOAN AND INVESTMENT PRODUCTS DEVELOPMENT SERVICES TO PROMOTE ECONOMIC AND COMMUNITY DEVELOPMENT. PROVIDING ASSISTANCE TO ORGANIZATIONS WHICH WILL PROVIDE TRAINING AND EMPLOYMENT OPPORTUNITIES FOR THE UNEMPLOYED OR UNDEREMPLOYED.

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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 (2017)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $294

Investment Income $5,281

Other Revenue $0

TOTAL REVENUE $5,575

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $15,340

Other Expenses $19,175

TOTAL EXPENSES $19,175

Year-over-Year Comparison

	2017	2016	Change
Revenue	$5,575	$4,900	+0.1%
Expenses	$19,175	$28,812	-0.3%
Net Income	$-13,600	$-23,912	-0.4%

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

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
CARLOS CANTU	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRAD SHIELDS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MARY7 BETH WRIGHT	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
BENITO GARCIA	DIRECTOR	1.00	Director	$0	$0	$0
SUNNY K PHILIP	EXECUTIVE DIRECTOR	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
2018	$5,575	$19,175	$122,857	$-13,600

SOUTH TEXAS EMERGING MARKETS DEVELOPMENT FUND INC