STUDENTS EDUCATIONAL & LOAN FOUNDAT (EIN 436052502) - 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

Principal Officer

WILLIAM THOMAS

Phone

5733644003

Tax Period

2025-01-01 to 2025-12-31

STUDENTS EDUCATIONAL & LOAN FOUNDAT is a small nonprofit in the Education sector that reported $401K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $357K left a modest 11% surplus.

Mission

TO FACILITATE COLLEGE ATTENDANCE

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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 (2025)

Revenue Breakdown

Contributions & Grants $52,812

Program Service Revenue $0

Investment Income $1,205

Other Revenue $347,112

TOTAL REVENUE $401,129

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $356,561

TOTAL EXPENSES $356,561

Year-over-Year Comparison

	2025	2024	Change
Revenue	$401,129	$344,177	+0.2%
Expenses	$356,561	$311,786	+0.1%
Net Income	$44,568	$32,391	+0.4%

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
CHRISTOPHER ISOM	VICE PRESIDE	N/A	Officer	$0	$0	$0
KEN LUDWIG	SECRETARY	N/A	Officer	$0	$0	$0
CHRIS MARCUS	TREASURER	N/A	Officer	$0	$0	$0
JAMES R SOWERS	ASSISTANT TR	N/A	Officer	$0	$0	$0
WILLIAM THOMAS	PRESIDENT	N/A	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	$401,129	$356,561	$3,687,389	$44,568
2024	No data	No data	No data	No data
2023	$329,613	$307,982	$3,857,288	$21,631
2022	$321,456	$314,329	$3,981,142	$7,127
2021	$283,746	$344,711	$4,120,641	$-60,965
2020	$265,783	$321,160	$4,309,761	$-55,377
2019	$311,598	$332,291	$4,513,087	$-20,693
2018	$385,297	$379,438	$4,664,486	$5,859

STUDENTS EDUCATIONAL & LOAN FOUNDAT