SECURITY TRADERS ASSOCIATION OF CHICAGO SCHOLARSHIP FUND (EIN 363774805) - 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

1991

Legal Domicile

Phone

3122151441

Tax Period

2024-06-01 to 2025-05-31

SECURITY TRADERS ASSOCIATION OF CHICAGO SCHOLARSHIP FUND, founded in 1991, is a micro nonprofit in the Education sector that reported $59K in total revenue in fiscal year 2024. Revenue surged 23360% from the prior year, signaling strong growth momentum. The organization ran a surplus of $25K, a strong 42% operating margin.

Mission

TO PROVIDE MONETARY SUPPORT TO A SELECTED SECTION OF 501(C)(3) ORGANIZATIONS

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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 $4,150

Program Service Revenue $54,500

Investment Income $0

Other Revenue $0

TOTAL REVENUE $58,650

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $30,780

Other Expenses $33,789

TOTAL EXPENSES $33,789

Year-over-Year Comparison

	2024	2023	Change
Revenue	$58,650	$250	+233.6%
Expenses	$33,789	$33,600	+0.0%
Net Income	$24,861	$-33,350	-1.7%

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

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
LAUREN ARBID	PRESIDENT	2.00	Officer	$0	$0	$0
JASON SCHWAB	SECRETARY	2.00	Officer	$0	$0	$0
GINNY KOWALCZYK	DIRECTOR	2.00	Director	$0	$0	$0
STEVE ZENDEL	DIRECTOR	2.00	Director	$0	$0	$0
MATT TOBIN	DIRECTOR	2.00	Director	$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	$58,650	$33,789	$105,482	$24,861
2024	$3,250	No data	$60,584	No data
2023	$56,000	$51,000	$57,560	$5,000
2022	No data	$77,924	$52,560	No data

SECURITY TRADERS ASSOCIATION OF CHICAGO SCHOLARSHIP FUND