FLCCT INC dba FINANCIAL HEALTH PATHWAYS (EIN 342018800) - 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

2004

Legal Domicile

Principal Officer

Lourdes Zuniga

Phone

5124568630

Tax Period

2024-01-01 to 2024-12-31

FLCCT INC dba FINANCIAL HEALTH PATHWAYS, founded in 2004, is a small nonprofit in the Human Services sector that reported $213K in total revenue in fiscal year 2024. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $340K exceeded revenue, resulting in a 59% operating deficit.

Mission

Our mission is to improve economic justice through education, advocacy and support. We convene community partners to develop innovative solutions so that everyone can achieve financial freedom.

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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 $192,921

Program Service Revenue $14,726

Investment Income $5,444

Other Revenue $0

TOTAL REVENUE $213,091

Expense Breakdown

Grants Paid $0

Salaries & Benefits $211,897

Fundraising Expenses $29,849

Program Expenses $275,226

Other Expenses $127,771

TOTAL EXPENSES $339,668

Year-over-Year Comparison

	2024	2023	Change
Revenue	$213,091	$462,765	-0.5%
Expenses	$339,668	$237,018	+0.4%
Net Income	$-126,577	$225,747	-1.6%

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

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
Lourdes Zuniga	Executive Director	80.00		$168,610	$0	$168,610
Dorothy Gordon	Director	2.00	Director	$0	$0	$0
Marycruz De Leon	Director	2.00	Director	$0	$0	$0
Mary VanHaneghan	Director	2.00	Director	$0	$0	$0
Margaret Rittenhouse	Treasurer	2.00	Officer	$0	$0	$0
Felicia Morales	President	4.00	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
2025	No data	No data	No data	No data
2024	$213,091	$339,668	$783,857	$-126,577
2023	$527,765	$237,018	$895,782	$290,747
2022	$385,300	$233,637	$664,371	$151,663
2021	$304,440	$159,549	$446,156	$144,891
2020	$427,092	$307,549	$302,147	$119,543

FLCCT INC dba FINANCIAL HEALTH PATHWAYS