CONTRACTOR LOAN FUND INC (EIN 473818078) - 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

CHRISTOPHER K REICHERT

Phone

3143422992

Tax Period

2020-01-01 to 2020-07-31

CONTRACTOR LOAN FUND INC, founded in 2015, is a micro nonprofit that reported $5K in total revenue in fiscal year 2020. Revenue fell 96% from the prior year — a significant decline worth monitoring. Expenses of $75K exceeded revenue, resulting in a 1350% operating deficit.

Mission

TO PROVIDE LOANS AND TECHNICAL ASSISTANCE FOR CERTIFIED MINORITY/WOMEN BUSINESS ENTERPRISES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,146

Investment Income $0

Other Revenue $0

TOTAL REVENUE $5,146

Expense Breakdown

Grants Paid $500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $10,094

Other Expenses $74,099

TOTAL EXPENSES $74,599

Year-over-Year Comparison

	2020	2019	Change
Revenue	$5,146	$129,539	-1.0%
Expenses	$74,599	$414,397	-0.8%
Net Income	$-69,453	$-284,858	-0.8%

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
CHRISTOPHER K REICHERT	CHAIRMAN	3.00	Officer Director	$0	$0	$0
OTIS WILLIAMS	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
DENNIS LOWER	SECRETARY	1.00	Officer Director	$0	$0	$0
PHILIP SAETTELE	TREASURER	1.00	Officer Director	$0	$0	$0
ABE ADEWALE	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE AGIN	DIRECTOR	3.00	Director	$0	$0	$0
MITCH BARIS	DIRECTOR	1.00	Director	$0	$0	$0
ROB BOYLE	DIRECTOR	1.00	Director	$0	$0	$0
DARCELLA CRAVEN	DIRECTOR	1.00	Director	$0	$0	$0
KEN CREEHAN	DIRECTOR	1.00	Director	$0	$0	$0
RODNEY CRIM	DIRECTOR	1.00	Director	$0	$0	$0
YAPHETT EL-AMIN	DIRECTOR	1.00	Director	$0	$0	$0
TOM FINAN	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT HARDY	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD HAYES	DIRECTOR	2.50	Director	$0	$0	$0
ROBYN HEIDGER	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE HOUGH	DIRECTOR	1.00	Director	$0	$0	$0
TRACY JAMES	DIRECTOR	1.00	Director	$0	$0	$0
STEVE KRAMER	DIRECTOR	1.00	Director	$0	$0	$0
AMY KWESKIN	DIRECTOR	1.00	Director	$0	$0	$0
JEFF MEFFORD	DIRECTOR	1.00	Director	$0	$0	$0
GREG MOHLER	DIRECTOR	1.00	Director	$0	$0	$0
VLADIMIR MONROE	DIRECTOR	1.00	Director	$0	$0	$0
DAPHANIE POINTER	DIRECTOR	1.00	Director	$0	$0	$0
ADOLPHUS PRUITT	DIRECTOR	1.00	Director	$0	$0	$0
GABRIELLA RAMIREZ-ARELLANO	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN REISE	DIRECTOR	1.00	Director	$0	$0	$0
TIM SNOKE	DIRECTOR	1.00	Director	$0	$0	$0
ANN SUTTER	DIRECTOR	3.00	Director	$0	$0	$0
LEONARD TOENJES	DIRECTOR	1.00	Director	$0	$0	$0
RON UNTERREINER	DIRECTOR	3.00	Director	$0	$0	$0
KEVIN WILSON	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT WILSON	DIRECTOR	1.00	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
2020	$5,146	$74,599	No data	$-69,453
2019	$129,539	$414,397	$2,223,383	$-284,858
2018	$157,426	$676,076	$3,307,923	$-518,650

CONTRACTOR LOAN FUND INC