BIRMINGHAM STUDENT LOAN & SCHOLARSHIP FUND (EIN 386091548) - 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

1940

Legal Domicile

Principal Officer

JOHN STEVEN JOHNSTON

Phone

2482033004

Tax Period

2024-10-01 to 2025-09-30

BIRMINGHAM STUDENT LOAN & SCHOLARSHIP FUND, founded in 1940, is a micro nonprofit in the Education sector that reported $76K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $69K left a modest 9% surplus.

Mission

SCHOLARSHIPS

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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 $24,951

Program Service Revenue $0

Investment Income $44,259

Other Revenue $6,534

TOTAL REVENUE $75,744

Expense Breakdown

Grants Paid $54,750

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $54,750

Other Expenses $13,949

TOTAL EXPENSES $68,699

Year-over-Year Comparison

	2024	2023	Change
Revenue	$75,744	$65,498	+0.2%
Expenses	$68,699	$68,986	0.0%
Net Income	$7,045	$-3,488	-3.0%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN STEVEN JOHNSTON	PRESIDENT	2.00	Officer Director	$0	$0	$0
DR SARAH ROSSO	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
CATHY HELLER	SECRETARY	2.00	Officer Director	$0	$0	$0
ROB LAWRENCE	TREASURER	2.00	Officer Director	$0	$0	$0
KATHY BARNAS	TRUSTEE	2.00	Director	$0	$0	$0
DR EMBEKKA ROBERSON	TRUSTEE	2.00	Director	$0	$0	$0
CATHY HURLEY	TRUSTEE	2.00	Director	$0	$0	$0
MIKE WICKER	TRUSTEE	2.00	Director	$0	$0	$0
AMY HOCKHAMMER	TRUSTEE	2.00	Director	$0	$0	$0
MEGHAN JONES	TRUSTEE	2.00	Director	$0	$0	$0
JENNIFER KONDAK	TRUSTEE	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	$75,744	$68,699	$966,190	$7,045
2024	$65,498	$68,986	$958,297	$-3,488
2023	$86,157	$75,523	$962,200	$10,634
2022	$119,875	$81,761	$870,193	$38,114
2021	$202,950	$59,914	$1,120,421	$143,036
2020	$-1,916	$45,956	$770,937	$-47,872
2019	$72,671	$69,933	$818,809	$2,738
2018	$77,046	$67,355	$816,071	$9,691

BIRMINGHAM STUDENT LOAN & SCHOLARSHIP FUND