WAUWATOSA REVOLVING LOAN FUND CORPORATION (EIN 391679305) - 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

Principal Officer

JOHN RUGGINI

Phone

4144798900

Tax Period

2024-01-01 to 2024-12-31

WAUWATOSA REVOLVING LOAN FUND CORPORATION, founded in 1991, is a micro nonprofit in the Community Improvement sector that reported $34K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $30K left a modest 12% surplus.

Mission

WITHIN THE CITY OF WAUWATOSA, THE WAUWATOSA REVOLVING LOAN FUND CORPORATION'S LOAN PROGRAM IS DESIGNED TO SUPPORT LOCAL BUSINESSES AND FULFILL THE FOLLOWING OBJECTIVES: IMPROVE EXISTING BUSINESS AND BUSINESS NEIGHBORHOODS; INCREASE THE NUMBER OF INDIVIDUAL BUSINESSES; AND INCREASE JOBS AND JOB OPPORTUNITIES.

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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 $0

Program Service Revenue $11,770

Investment Income $21,807

Other Revenue $0

TOTAL REVENUE $33,577

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $24,274

Other Expenses $29,606

TOTAL EXPENSES $29,606

Year-over-Year Comparison

	2024	2023	Change
Revenue	$33,577	$43,678	-0.2%
Expenses	$29,606	$22,841	+0.3%
Net Income	$3,971	$20,837	-0.8%

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

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
ALLEN R WICK	PRESIDENT	0.25	Officer Director	$0	$0	$0
ALISSA J PEETERS	VICE PRESIDENT	0.25	Officer Director	$0	$0	$0
LAURA BROWNE	TREASURER	0.25	Officer Director	$0	$0	$0
MARK YOUNG	SECRETARY	0.25	Officer Director	$0	$0	$0
EVAN GILLMORE	DIRECTOR	0.25	Director	$0	$0	$0
JAMES MOLDENHAUER	DIRECTOR	0.25	Director	$0	$0	$0
JOHN RUGGINI	DIRECTOR	0.50	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
2024	$33,577	$29,606	$963,033	$3,971
2023	$43,678	$22,841	$948,666	$20,837
2022	$10,780	$23,389	$924,821	$-12,609
2021	$9,531	$5,442	$929,434	$4,089
2020	$12,134	$57,833	$925,867	$-45,699
2019	$14,412	$10,745	$971,044	$3,667
2018	$69,890	$12,259	$968,212	$57,631

WAUWATOSA REVOLVING LOAN FUND CORPORATION