CENTER FOR FINANCIAL TRAINING NORTH CENTRAL STATES INC (EIN 396006519) - 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

2000

Legal Domicile

Phone

4143326468

Tax Period

2018-06-01 to 2019-05-31

CENTER FOR FINANCIAL TRAINING NORTH CENTRAL STATES INC, founded in 2000, is a small nonprofit that reported $228K in total revenue in fiscal year 2018. Revenue decreased 18% compared to the prior year. Expenses of $283K exceeded revenue, resulting in a 24% operating deficit.

Mission

The Center for Financial Training is dedicated to providing education and development solutions to continually meet the changing needs of the financial services industry.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $226,285

Investment Income $1,431

Other Revenue $0

TOTAL REVENUE $227,716

Expense Breakdown

Grants Paid $0

Salaries & Benefits $74,593

Fundraising Expenses $0

Program Expenses $210,752

Other Expenses $208,685

TOTAL EXPENSES $283,278

Year-over-Year Comparison

	2018	2017	Change
Revenue	$227,716	$279,009	-0.2%
Expenses	$283,278	$288,754	0.0%
Net Income	$-55,562	$-9,745	+4.7%

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

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

$64,905

Total Directors

$1,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JILL BREITRICK	BOARD MEMBER	1.00	Director	$0	$0	$0
BILL NIEBUHR	Board Member	1.00	Director	$0	$0	$0
PETER SCHUMACHER	Treasurer	1.00	Officer Director	$0	$0	$0
LAWANDA BALDWIN	Secretary	1.00	Officer Director	$0	$0	$0
LORI RUCH	President	1.00	Officer Director	$1,200	$0	$1,200
DAWN SCHIMKE	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVE MAUER	senior advisor	1.00	Director	$0	$0	$0
TERRI PETERSON	senior advisor	1.00	Director	$0	$0	$0
RACHEL DUMKE	BOARD MEMBER	1.00	Director	$0	$0	$0
MELANIE SPENCER	BOARD MEMBER	1.00	Director	$0	$0	$0
KAYLA THOMPSEN	BOARD MEMBER	1.00	Director	$0	$0	$0
SUZANNE GORECKI	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN VERRE	BOARD MEMBER	1.00	Director	$0	$0	$0
SANDRA KUEHN	Executive Direc	40.00	Officer	$63,705	$0	$63,705

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
2019	$227,716	$283,278	$123,898	$-55,562

CENTER FOR FINANCIAL TRAINING NORTH CENTRAL STATES INC