NORTHSTAR GUARANTEE INC (EIN 411689095) - 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

1990

Legal Domicile

Principal Officer

Richard D George

Phone

6087332500

Tax Period

2021-01-01 to 2021-12-31

NORTHSTAR GUARANTEE INC, founded in 1990, is a micro nonprofit that reported $7K in total revenue in fiscal year 2021. Revenue fell 68% from the prior year — a significant decline worth monitoring. Expenses of $73K exceeded revenue, resulting in a 878% operating deficit.

Mission

NORTHSTAR'S EXEMPT LENDING ROLE IS MAKING AND/OR HOLDING STUDENT LOANS TO POSTSECONDARY EDUCATION STUDENTS AND THEIR PARENTS IN ACCORDANCE WITH THE FED FAMILY EDUCATION LOAN PROGRAM

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $7,417

Other Revenue $0

TOTAL REVENUE $7,417

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,950

Fundraising Expenses $0

Program Expenses $2,038

Other Expenses $23,576

TOTAL EXPENSES $72,526

Year-over-Year Comparison

	2021	2020	Change
Revenue	$7,417	$23,168	-0.7%
Expenses	$72,526	$56,046	+0.3%
Net Income	$-65,109	$-32,878	+1.0%

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

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

$2,997,495

Total Directors

$1,017,830

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Richard D George 23	Chairman & Treasurer	5.0	Officer Director	$0	$51,154	$899,930
Jeff Crosby 3	President & CEO	1.0	Officer	$0	$42,859	$564,463
HOPE MERRY 3	CHIEF FINANCIAL OFFICER	6.0	Officer	$0	$46,048	$445,616
Rebecca Rapp 3	Gen Cnsl, Chief Priv Ofc, & As	4.0	Officer	$0	$40,924	$327,704
BRETT LINDQUIST 3	VP-STRATEGIC COMMUNICATION	2.0	Officer	$0	$50,231	$322,941
MAUREEN HARRILL VENESS 3	VP - HUMAN RESOURCES	2.0	Officer	$0	$39,420	$258,752
BRIAN KOBISHOP 3	VP - IT/SEC/LOGI (Until 11/15)	2.0	Officer	$0	$9,323	$178,089
Roger Ervin 1	Director	1.0	Director	$11,400	$0	$22,800
Richard A Weiss 1	Director	1.0	Director	$7,600	$0	$22,800
Mary Burke 1	Director	1.0	Director	$6,200	$0	$18,600
David J Hanson 1	Director/Secretary	1.0	Director	$6,200	$0	$18,600
Joan Prince 1	Director	1.0	Director	$9,300	$0	$18,600
Linda Hoeschler 1	Director	1.0	Director	$8,250	$0	$16,500

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
2021	$7,417	$72,526	No data	$-65,109
2020	$23,168	$56,046	$5,032,273	$-32,878
2019	$1,053,350	$72,874	$5,031,694	$980,476
2018	$5,398,692	$725,037	$136,990,886	$4,673,655

NORTHSTAR GUARANTEE INC