Financial Literacy International Inc (EIN 473407325) - 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

Tax Period

2025-01-01 to 2025-12-31

Financial Literacy International Inc, founded in 2015, is a small nonprofit in the Human Services sector that reported $933K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

FLI is a non-profit organization which seeks to eradicate chronic poverty and introduce education to the underprivileged citizens of developing countries, with an emphasis on Bangladesh. FLI provides its services without charge, and it relies on contributions from donors to

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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 $940,818

Program Service Revenue $0

Investment Income $3,578

Other Revenue $-11,324

TOTAL REVENUE $933,072

Expense Breakdown

Grants Paid $50,930

Salaries & Benefits $351,944

Fundraising Expenses $2,336

Program Expenses $892,725

Other Expenses $548,626

TOTAL EXPENSES $951,500

Year-over-Year Comparison

	2025	2024	Change
Revenue	$933,072	$814,619	+0.1%
Expenses	$951,500	$774,849	+0.2%
Net Income	$-18,428	$39,770	-1.5%

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
Tim Martin	President	2.00	Officer Director	$0	$0	$0
Lamar Rosenberry	Secretary	2.00	Officer Director	$0	$0	$0
Keith Sensenig	At large	2.00	Director	$0	$0	$0
Arnold Eby	At large	2.00	Director	$0	$0	$0
Clyde Zimmerman	Treasurer - Part year board member	3.20	Officer	$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	$933,072	$951,500	$179,764	$-18,428
2024	$814,619	$774,849	$187,833	$39,770
2023	$728,430	$651,421	$164,652	$77,009
2022	$697,593	$728,766	$86,865	$-31,173
2021	$703,933	$678,535	$102,078	$25,398
2020	$624,243	$633,475	$68,433	$-9,232
2019	$638,464	$624,378	$68,321	$14,086
2018	$534,333	$517,664	$74,993	$16,669

Financial Literacy International Inc