CENTER FOR FINANCIAL STABILITY INC (EIN 272106625) - 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

LAWRENCE GOODMAN

Phone

2126262660

Tax Period

2023-07-01 to 2024-06-30

CENTER FOR FINANCIAL STABILITY INC, founded in 2009, is a community nonprofit in the Science & Technology sector that reported $2.4M in total revenue in fiscal year 2023. Revenue surged 102% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.9M, a strong 80% operating margin.

Mission

THE CENTER FOR FINANCIAL STABILITY IS AN INDEPENDENT, NONPARTISAN, AND NONPROFIT THINK TANK FOCUSED ON FINANCIAL MARKETS FOR THE BENEFIT OF INVESTORS, OFFICIALS, AND THE PUBLIC. CFS PROMOTES A STRONGER AND MORE STABLE FINANCIAL SYSTEM THROUGH BOLD, INNOVATIVE AND PRACTICAL POLICY-ORIENTED RESEARCH, STRUCTURED DIALOG, EDUCATION AND OUTREACH TO THE PUBLIC.

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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 $1,662,180

Program Service Revenue $0

Investment Income $138,069

Other Revenue $606,175

TOTAL REVENUE $2,406,424

Expense Breakdown

Grants Paid $0

Salaries & Benefits $234,980

Fundraising Expenses $0

Program Expenses $477,477

Other Expenses $242,497

TOTAL EXPENSES $477,477

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,406,424	$1,191,826	+1.0%
Expenses	$477,477	$214,016	+1.2%
Net Income	$1,928,947	$977,810	+1.0%

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

$100,000

Total Directors

$100,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAWRENCE GOODMAN	PRESIDENT/TREASURER/TRUSTE	15.00	Officer Director	$100,000	$0	$100,000
PETER N FLOCOS	SECRETARY/TRUSTEE	2.00	Officer Director	$0	$0	$0
RANDAL K QUARLES	CHAIR ADVISORY BOARD/TRUST	1.00	Officer Director	$0	$0	$0
WILLIAM R RHODES	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
EDUARDO ANINAT	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
SHEILA BAIR	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
WILLIAM W BRADLEY	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
JOYCE CHANG	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
M SHAFIK GABR	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
CHARLES GOODHART	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
HENRY KAUFMAN	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
BARBARA G NOVICK	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
GUILLERMO ORTIZ	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
RICHARD L SANDOR	ADVISORY BOARD MEMBER	0.50	Officer	$0	$0	$0
MYRON SCHOLES	ADVISORY BOARD MEMBER	0.50	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
2025	No data	No data	No data	No data
2024	$2,406,424	$477,477	$3,033,655	$1,928,947
2023	$1,191,826	$214,016	$1,104,708	$977,810
2022	$166,169	$206,007	$126,581	$-39,838
2021	$237,968	$234,244	$170,879	$3,724
2020	$341,212	$319,083	$178,513	$22,129
2019	$183,051	$239,618	$152,292	$-56,567
2018	$135,537	$184,312	$201,174	$-48,775

CENTER FOR FINANCIAL STABILITY INC