CT ENERGY EFFICIENCY FINANCING COMPANY C/O CAPITAL FOR CHANGE INC (EIN 452412035) - 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

2011

Legal Domicile

Principal Officer

DIANE SMITH

Phone

8009923665

Tax Period

2024-04-01 to 2025-03-31

CT ENERGY EFFICIENCY FINANCING COMPANY C/O CAPITAL FOR CHANGE INC, founded in 2011, is a community nonprofit in the Environment sector that reported $3.6M in total revenue in fiscal year 2024. Revenue surged 66% from the prior year, signaling strong growth momentum. The organization ran a surplus of $869K, a strong 24% operating margin.

Mission

LOANS TO CONSUMERS AND LANDLORDS FOR PROJECTS CONTRIBUTING TO REDUCING ENERGY USE AND PROMOTING RENEWABLE ENERGY SOURCES.

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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 $1,236,722

Program Service Revenue $2,140,924

Investment Income $173,662

Other Revenue $0

TOTAL REVENUE $3,551,308

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,682,706

Other Expenses $2,682,706

TOTAL EXPENSES $2,682,706

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,551,308	$2,141,928	+0.7%
Expenses	$2,682,706	$3,269,716	-0.2%
Net Income	$868,602	$-1,127,788	-1.8%

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

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

$212,854

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE SMITH	CEO	2.50	Officer	$0	$9,392	$212,854
BENNA LEHRER	CHAIR	0.50	Officer Director	$0	$0	$0
GINNE-RAE CLAY	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JEFFREY ROBINSON	TREASURER (UNTIL 3/2025)	0.50	Officer Director	$0	$0	$0
ROBIN GOLDEN	SECRETARY	0.50	Officer Director	$0	$0	$0
MICHAEL UHL	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
2025	$3,551,308	$2,682,706	$40,791,525	$868,602
2024	$2,141,928	$3,269,716	$44,941,710	$-1,127,788
2023	$3,679,628	$2,650,769	$35,683,603	$1,028,859
2022	$1,991,460	$1,872,286	$31,376,101	$119,174
2021	$4,337,259	$2,108,769	$29,459,380	$2,228,490
2020	$2,025,257	$2,390,987	$31,848,749	$-365,730
2019	$1,619,030	$2,028,993	$26,743,787	$-409,963
2018	$683,199	$1,467,455	$24,205,972	$-784,256

CT ENERGY EFFICIENCY FINANCING COMPANY C/O CAPITAL FOR CHANGE INC