COOPERATIVE FOR EDUCATION (EIN 311545464) - 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

1997

Legal Domicile

Principal Officer

JOSEPH BERNINGER

Phone

5136617000

Tax Period

2024-01-01 to 2024-12-31

COOPERATIVE FOR EDUCATION, founded in 1997, is a community nonprofit in the Education sector that reported $3.6M in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year.

Mission

TO PROVIDE EDUCATIONAL IMPROVEMENT SERVICES AND OTHER CHARITABLE SERVICES TO FINANCIALLY STRESSED COMMUNITIES AND EDUCATION INSTITUTIONS AND EDUCATE NORTH AMERICANS ABOUT GUATEMALA, ITS POVERTY AND EDUCATIONAL SERVICES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $3,194,495

Program Service Revenue $221,851

Investment Income $200,341

Other Revenue $0

TOTAL REVENUE $3,616,687

Expense Breakdown

Grants Paid $394,850

Salaries & Benefits $2,139,820

Fundraising Expenses $396,700

Program Expenses $3,103,976

Other Expenses $1,245,577

TOTAL EXPENSES $3,780,247

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,616,687	$4,274,545	-0.2%
Expenses	$3,780,247	$3,661,560	+0.0%
Net Income	$-163,560	$612,985	-1.3%

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

Volunteers

134

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

$284,560

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALEN AMINI	MEMBER	1.00	Director	$0	$0	$0
AURORA LAMBERT	MEMBER	1.00	Director	$0	$0	$0
EMILY BLOCK	MEMBER	1.00	Director	$0	$0	$0
JOHN BERNINGER	MEMBER	1.00	Director	$0	$0	$0
KENNETH PETREN	MEMBER	1.00	Director	$0	$0	$0
LAURA TRUJILLO	MEMBER	1.00	Director	$0	$0	$0
MARY GEREN LUTZ	MEMBER	1.00	Director	$0	$0	$0
MOLLY TYGER	MEMBER	1.00	Director	$0	$0	$0
RICK CORCORAN JR	MEMBER	1.00	Director	$0	$0	$0
SR ROMINA SAPINOSO	MEMBER	1.00	Director	$0	$0	$0
BRIAN TODD	CHAIR	1.00	Officer Director	$0	$0	$0
ROLANDO ARCHILA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
PATRICK FARFSING	TREASURER	1.00	Officer Director	$0	$0	$0
ERIC LANDEN	SECRETARY	1.00	Officer Director	$0	$0	$0
JOSEPH BERNINGER	EXECUTIVE DIRECTOR	40.00	Officer	$126,629	$2,584	$129,213
LIZA O'NEAL	CORPORATE TREASURER	40.00	Officer	$84,238	$7,944	$92,182
ABIGAIL GAIDE	CORPORATE SECRETARY	40.00	Officer	$55,739	$7,426	$63,165

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
2024	$3,616,687	$3,780,247	$6,779,320	$-163,560
2023	$4,274,545	$3,661,560	$6,848,465	$612,985
2022	$3,508,083	$3,268,964	$6,830,779	$239,119
2021	$3,166,272	$2,649,673	$6,491,299	$516,599
2020	$3,112,231	$2,700,332	$5,691,665	$411,899
2019	$3,518,114	$3,262,186	$5,314,136	$255,928
2019	$3,518,114	$3,262,186	$5,314,136	$255,928
2018	$2,944,757	$3,298,870	$4,891,780	$-354,113

COOPERATIVE FOR EDUCATION