Ezra L Baker Educational Loan Fund

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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

1974

Legal Domicile

Principal Officer

Mark Engelhart

Phone

6053808652

Tax Period

2023-01-01 to 2023-12-31

Ezra L Baker Educational Loan Fund, founded in 1974, is a micro nonprofit that reported $7K in total revenue in fiscal year 2023. Revenue fell 135% from the prior year — a significant decline worth monitoring.

Mission

To administer student loans to deserving attendants of the First Baptist Church of Aberdeen for college, university or vocational training.

Program Service Accomplishments

Program 1

Revenue: $392

To administer student loans to deserving attendants of the First Baptist Church of Aberdeen for college, university or vocational training. The organization issued $10,000 in new loans in 2023.

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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 $0

Program Service Revenue $392

Investment Income $-7,611

Other Revenue $0

TOTAL REVENUE $-7,219

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $5,774

TOTAL EXPENSES $5,774

Year-over-Year Comparison

	2023	2022	Change
Revenue	$-7,219	$20,735	-1.3%
Expenses	$5,774	$5,755	+0.0%
Net Income	$-12,993	$14,980	-1.9%

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
Mark Engelhart	Trustee	1.00	Director	$0	$0	$0
William O Edwards	Trustee	0.10	Director	$0	$0	$0
Pastor Gary Compton	Trustee	0.10	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	$-7,219	$5,774	$340,134	$-12,993