Students Clothing Bank (EIN 465765753) - 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

2014

Legal Domicile

Principal Officer

Kim Kerschen

Phone

5052941647

Tax Period

2024-07-01 to 2025-06-30

Students Clothing Bank, founded in 2014, is a small nonprofit in the Human Services sector that reported $866K in total revenue in fiscal year 2024. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $772K left a modest 11% surplus.

Mission

To clothe indigent school students kindergarten-grade 12

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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 $724,234

Program Service Revenue $0

Investment Income $196

Other Revenue $142,000

TOTAL REVENUE $866,430

Expense Breakdown

Grants Paid $0

Salaries & Benefits $292,474

Fundraising Expenses $0

Program Expenses $772,343

Other Expenses $479,869

TOTAL EXPENSES $772,343

Year-over-Year Comparison

	2024	2023	Change
Revenue	$866,430	$677,420	+0.3%
Expenses	$772,343	$716,501	+0.1%
Net Income	$94,087	$-39,081	-3.4%

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

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

$31,181

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michelle Montoya	Member at Large	1.00	Officer	$0	$0	$0
Stephanie Kohler	Vice President	1.00	Officer	$0	$0	$0
Karen Manley	Secretary	1.00	Officer	$0	$0	$0
Jeff Manley	Treasurer	1.00	Officer	$0	$0	$0
Mike Romo	Member at Large	1.00	Officer	$0	$0	$0
Alex Dunivan	Member at Large	1.00	Officer	$0	$0	$0
Josh Goins	Member at Large	1.00	Officer	$0	$0	$0
Jaclyn Valencia	Member at Large	1.00	Officer	$0	$0	$0
Sarah Wilson	Member at Large	1.00	Officer	$0	$0	$0
Claire Kowalski	Member at Large	1.00	Officer	$0	$0	$0
Margie Pintzow	President	1.00	Officer	$0	$0	$0
Kimberly Kerschen	Founder	45.00	Officer	$0	$0	$0
Robyn Simon	Operations Coordinator	40.00	Key Emp	$31,181	$0	$31,181

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	$866,430	$772,343	$683,995	$94,087
2024	$677,420	$716,501	$356,165	$-39,081
2023	$630,844	$581,270	$394,720	$49,574
2022	$490,628	$300,865	$344,827	$189,763
2021	$258,363	$192,236	$158,294	$66,127

Students Clothing Bank