WESTERN ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS (EIN 330009083) - 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

Principal Officer

ZOE RAE

Phone

5037533317

Tax Period

2025-01-01 to 2025-06-30

WESTERN ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS is a small nonprofit in the Education sector that reported $237K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. The organization ran a surplus of $84K, a strong 36% operating margin.

Mission

TO PROVIDE SUPPORT AND TRAINING FOR STUDENT FINANCIAL AID ADMINISTRATORS AND THOSE WISHING TO BECOME STUDENT FINANCIAL AID ADMINISTRATORS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $32,675

Program Service Revenue $197,443

Investment Income $6,461

Other Revenue $0

TOTAL REVENUE $236,579

Expense Breakdown

Grants Paid $12,600

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $109,501

Other Expenses $139,794

TOTAL EXPENSES $152,394

Year-over-Year Comparison

	2025	2024	Change
Revenue	$236,579	$249,488	-0.1%
Expenses	$152,394	$415,916	-0.6%
Net Income	$84,185	$-166,428	-1.5%

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

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
KAREN ASH	OR STATE PRE	N/A	Officer	$0	$0	$0
JOHN BENDER	PRESIDENT	N/A	Officer	$0	$0	$0
IRIS CATO	AK STATE PRE	N/A	Officer	$0	$0	$0
KELLEY CHRISTIANSON	ID STATE PRE	N/A	Officer	$0	$0	$0
ASHLEY COLEMAN	PAST TREASUR	N/A	Officer	$0	$0	$0
BRONWYN GARRISON	PRESIDENT EL	N/A	Officer	$0	$0	$0
RASHINDA HUTCHINSON	CA STATE PRE	N/A	Officer	$0	$0	$0
HOLLY JOHNSON	REP AT LARGE	N/A	Officer	$0	$0	$0
LEONARD WALKER JR	REP AT LARGE	N/A	Officer	$0	$0	$0
SHELLEE KILBRIDE	NV STATE PRE	N/A	Officer	$0	$0	$0
JOHN LAZZARI	VICE-PRESIDE	N/A	Officer	$0	$0	$0
GECKO MCDOWELL	SECRETARY	N/A	Officer	$0	$0	$0
SHERRIE PADILLA	PACFAA	N/A	Officer	$0	$0	$0
ZOE RAE	TREASURER	N/A	Officer	$0	$0	$0
MELANIE RUIZ	WA STATE PRE	N/A	Officer	$0	$0	$0
CARLOS VILLARROEL	REP AT LARGE	N/A	Officer	$0	$0	$0
CALEB WILLIAMS	AZ STATE PRE	N/A	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	$236,579	$152,394	$1,127,998	$84,185
2024	$249,488	$415,916	$979,098	$-166,428
2023	$242,544	$306,477	$959,294	$-63,933
2022	$210,483	$384,487	$899,969	$-174,004
2021	$107,439	$158,539	$1,257,239	$-51,100
2020	$93,275	$88,417	$1,150,353	$4,858
2019	$330,110	$441,768	$1,047,857	$-111,658
2018	$264,137	$305,186	$984,052	$-41,049

WESTERN ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS