323 SBS FUND INC (EIN 472912947) - 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

2015

Legal Domicile

Principal Officer

Richard Sword

Phone

6098654558

Tax Period

2025-01-01 to 2025-12-31

323 SBS FUND INC, founded in 2015, is a micro nonprofit in the Housing & Shelter sector that reported $35K in total revenue in fiscal year 2025. Net assets of $956K represent 325 months of operating reserves.

Mission

The 323 SBS Fund is a charitable fund supporting the general mission of Luther Arms,Inc -a Lutheran Church related HUD housing facility in Trenton,NJ

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $35,329

Other Revenue $0

TOTAL REVENUE $35,329

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $35,000

Other Expenses $35,000

TOTAL EXPENSES $35,000

Year-over-Year Comparison

	2025	2024	Change
Revenue	$35,329	$35,329	N/A
Expenses	$35,000	$25,000	+0.4%
Net Income	$329	$10,329	-1.0%

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
Albert Cowell	Trustee	2	Officer Director	$0	$0	$0
David Smith	Trustee	1	Director	$0	$0	$0
Richard Sword	Trustee	1	Officer Director	$0	$0	$0
Raymond Kolison	Trustee	1	Director	$0	$0	$0
Debra Burd	Trustee	1	Officer Director	$0	$0	$0
Dennis McKithen	Trustee	1	Officer Director	$0	$0	$0
Paul Goepfert	Trustee	1	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	$35,329	$35,000	$955,714	$329
2024	No data	$25,000	$867,866	No data
2023	$14,964	$29,231	$746,191	$-14,267
2022	$20,011	$28,000	$645,428	$-7,989
2021	$45,157	No data	$832,461	No data
2020	$25,704	$46,031	$705,188	$-20,327
2019	$12,069	$20,000	$624,850	$-7,931
2018	$14,817	No data	$525,659	No data

323 SBS FUND INC