EARN TO LEARN FL INC (EIN 452514055) - 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

BRENDA TATE

Phone

2397894714

Tax Period

2023-01-01 to 2023-12-31

EARN TO LEARN FL INC, founded in 2011, is a small nonprofit that reported $987K in total revenue in fiscal year 2023. Revenue surged 60% from the prior year, signaling strong growth momentum. Expenses of $1.5M exceeded revenue, resulting in a 51% operating deficit.

Mission

THE ORGANIZATION ENVISIONS A WORLD WITHOUT BARRIERS TO HIGHER EDUCATION TO ENSURE THAT FLORIDA'S STUDENTS GRADUATE ON TIME, CAREER READY, AND WITH MINIMAL STUDENT LOAN DEBT.

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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 $904,513

Program Service Revenue $0

Investment Income $82,831

Other Revenue $32

TOTAL REVENUE $987,376

Expense Breakdown

Grants Paid $1,135,068

Salaries & Benefits $46,726

Fundraising Expenses $0

Program Expenses $1,407,659

Other Expenses $310,859

TOTAL EXPENSES $1,492,653

Year-over-Year Comparison

	2023	2022	Change
Revenue	$987,376	$615,478	+0.6%
Expenses	$1,492,653	$760,800	+1.0%
Net Income	$-505,277	$-145,322	+2.5%

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

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
KIMBERLY DYE	DIRECTOR	2.00	Director	$0	$0	$0
NANCY MEROLLA	TREASURER	5.00	Officer Director	$0	$0	$0
LORI MONSERRAT	SECRETARY	2.00	Officer Director	$0	$0	$0
LISA SIMINGTON	CHAIR	10.00	Officer Director	$0	$0	$0
JOHN SLAVIK	DIRECTOR	2.00	Director	$0	$0	$0
BRENDA TATE	CEO	40.00	Officer 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
2023	$987,376	$1,492,653	No data	$-505,277
2022	$615,478	$760,800	$2,073,858	$-145,322
2021	$851,451	$742,340	$2,378,000	$109,111
2020	$1,522,169	$551,711	$2,035,697	$970,458
2018	$402,503	$374,019	$1,223,985	$28,484

EARN TO LEARN FL INC