Student Dream (EIN 471062643) - 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

2018

Legal Domicile

Principal Officer

Nena Ugwuomo

Phone

6463977806

Tax Period

2024-08-01 to 2025-07-31

Student Dream, founded in 2018, is a micro nonprofit in the Community Improvement sector that reported $18K in total revenue in fiscal year 2024. Revenue fell 76% from the prior year — a significant decline worth monitoring. Expenses of $32K exceeded revenue, resulting in a 74% operating deficit.

Mission

Focused on entreprenuership, investing and personal finance education for young adults, with the qualifications, experience and expertise necessary to effectively provide training to schools,organizations and individuals

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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 $4,441

Program Service Revenue $14,000

Investment Income $0

Other Revenue $0

TOTAL REVENUE $18,441

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,166

Fundraising Expenses $3,524

Program Expenses $5,050

Other Expenses $17,337

TOTAL EXPENSES $32,027

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,441	$78,010	-0.8%
Expenses	$32,027	$92,792	-0.7%
Net Income	$-13,586	$-14,782	-0.1%

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

N/A

Employees

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

$10,100

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nena Ugwuomo	President	040.00	Director	$10,100	$0	$10,100
Dr Chip Roper	Treasurer	001.00	Director	$0	$0	$0
Matthew Lancaster	Secretary	001.00	Director	$0	$0	$0
Eric Shashousa	Director	001.00	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	$18,441	$32,027	$3,419	$-13,586
2024	$78,010	$92,792	$17,005	$-14,782
2023	$112,930	$112,626	$31,787	$304
2022	$225,815	$201,322	$31,483	$24,493

Student Dream