CENTER FOR FINANCIAL CAPABILITY

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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

2010

Legal Domicile

Principal Officer

TIM RANZETTA

Phone

6502188408

Tax Period

2019-01-01 to 2019-12-31

Mission

TO PROVIDE A FREE PERSONAL FINANCE EDUCATION TO YOUNG PEOPLE THROUGHOUT THE UNITED STATES.

Program Service Accomplishments

Program 1

Expenses: $217,266

DEVELOPMENT OF CURRICULUM, INCLUDING LESSONS, ACTIVITIES, PROJECTS AND CASE STUDIES FOCUSED ON PERSONAL FINANCE TOPICS. PROFESSIONAL DEVELOPMENT FOR PERSONAL FINANCE EDUCATORS INCLUDING WEBINARS...

DEVELOPMENT OF CURRICULUM, INCLUDING LESSONS, ACTIVITIES, PROJECTS AND CASE STUDIES FOCUSED ON PERSONAL FINANCE TOPICS. PROFESSIONAL DEVELOPMENT FOR PERSONAL FINANCE EDUCATORS INCLUDING WEBINARS, NEWSLETTERS, PODCASTS AND SMALL GROUP PROFESSIONAL LEARNING COMMUNITIES.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $187,710

Salaries & Benefits $8,119

Fundraising Expenses $0

Program Expenses $217,266

Other Expenses $65,771

TOTAL EXPENSES $261,600

Year-over-Year Comparison

	2019	2018	Change
Revenue	N/A	$1,825,000	-1.0%
Expenses	$261,600	$2,831,919	-0.9%
Net Income	N/A	$-1,006,919	N/A

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
TIM RANZETTA	OFFICER	40.00	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
2019	No data	$261,600	No data	No data
2018	$1,825,000	$2,831,919	$304,447	$-1,006,919