PEO Educational Loan Fund (EIN 426078059) - 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

1907

Legal Domicile

Principal Officer

Dana Van Roekel

Tax Period

2023-07-01 to 2024-06-30

PEO Educational Loan Fund, founded in 1907, is a community nonprofit in the Education sector that reported $5.8M in total revenue in fiscal year 2023. Revenue surged 46% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.3M, a strong 93% operating margin.

Mission

To provide financial assistance in the form of low interest loans to qualified women students who are pursuing higher education.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,791,949

Program Service Revenue $687,122

Investment Income $2,296,523

Other Revenue $0

TOTAL REVENUE $5,775,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $186,830

Fundraising Expenses $2,259

Program Expenses $247,173

Other Expenses $241,982

TOTAL EXPENSES $428,812

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,775,594	$3,948,036	+0.5%
Expenses	$428,812	$407,883	+0.1%
Net Income	$5,346,782	$3,540,153	+0.5%

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

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
Pauline Nygaard	Board of Trustees	8.00	Officer Director	$0	$0	$0
Stephanie Halton	Board of Trustees	15.00	Officer Director	$0	$0	$0
Sue Miller	Board of Trustees after 923	6.00	Officer Director	$0	$0	$0
Harpreet Sareen	Board of Trustees	8.00	Officer Director	$0	$0	$0
Laurel Andrew	Board of Trustees Chair afte	16.00	Officer Director	$0	$0	$0
Marti Ramsey	Board of Trustees	12.00	Officer Director	$0	$0	$0
Nanci Rosensteel	Board of Trustees Chair unti	3.00	Officer Director	$0	$0	$0
Dana Van Roekel	Director of FinanceTreasurer	2.00	Officer	$0	$0	$0
Kathy Soppe	Executive Director	2.00	Officer	$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	No data	No data	No data	No data
2024	$5,775,594	$428,812	$94,467,243	$5,346,782
2023	$3,948,036	$407,883	$89,120,461	$3,540,153
2022	$4,144,312	$503,491	$85,580,308	$3,640,821
2021	$3,999,923	$470,946	$81,939,487	$3,528,977

PEO Educational Loan Fund