SECURED FINANCE NETWORK (SFNET) PHILADELPHIA

EIN: 331109812 Community Improvement

DRESHER, PA

Total Revenue
$70,173
Total Expenses
$46,734
Total Assets
$163,497
Net Assets
$123,737
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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
2004
Legal Domicile
PA
Principal Officer
CAROLINE GORMAN
Phone
8562347399
Tax Period
2025-01-01 to 2025-12-31

SECURED FINANCE NETWORK (SFNET) PHILADELPHIA, founded in 2004, is a micro nonprofit in the Community Improvement sector that reported $70K in total revenue in fiscal year 2025. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $23K, a strong 33% operating margin.

Mission

THE ORGANIZATION WAS ORGANIZED TO PROMOTE THE INTERESTS OF ITS MEMBERS, INCLUDING SUCH THINGS AS: EDUCATION OF INDUSTRY MEMBERS AND FRIENDS OF THE ASSOCIATES NETWORKING OPPORTUNITIES WITH OTHER MEMBERS CAREER ADVANCEMENT OPPORTUNITIES PROMOTING THE ASSET BASED LENDING INDUSTRY THROUGH ITS CHAPTER MEMBERS

Program Service Accomplishments

Program 1

N/A

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $27,415
Program Service Revenue $42,755
Investment Income $3
Other Revenue $0
TOTAL REVENUE $70,173

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $31,363
Other Expenses $46,734
TOTAL EXPENSES $46,734

Year-over-Year Comparison

2025 2024 Change
Revenue $70,173 $53,103 +0.3%
Expenses $46,734 $38,923 +0.2%
Net Income $23,439 $14,180 +0.7%
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

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Governance

Voting Members
10
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
10
$0
Total Directors
0
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
JENNIFER AVRIGIAN TREASURER N/A
Officer
$0 $0 $0
LIAM BRICKLEY VICE PRESIDE N/A
Officer
$0 $0 $0
JIM CRUMLISH PRESIDENT EL N/A
Officer
$0 $0 $0
STEVE FAHRINGER VICE PRESIDE N/A
Officer
$0 $0 $0
CAROLINE GORMAN VICE PRESIDE N/A
Officer
$0 $0 $0
MICHAEL GRAZIANO VICE PRESIDE N/A
Officer
$0 $0 $0
JOE IANNUCCILLI CHAIRMAN N/A
Officer
$0 $0 $0
MIKE JACOBY PRESIDENT N/A
Officer
$0 $0 $0
DJ KRYSTOPA VICE PRESIDE N/A
Officer
$0 $0 $0
BRANDON SCHMOYER VICE PRESIDE 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 $70,173 $46,734 $163,497 $23,439
2024 No data No data No data No data
2023 $54,204 $56,199 $87,618 $-1,995
2022 $57,382 $50,703 $89,613 $6,679
2021 $54,727 $46,557 $81,434 $8,170
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