COMMUNITY REINVESTMENT ALLIANCE OF FLORI (EIN 474081995) - 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

CORNELL CREWS

Phone

7862661158

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY REINVESTMENT ALLIANCE OF FLORI, founded in 2015, is a small nonprofit in the Community Improvement sector that reported $449K in total revenue in fiscal year 2024. Revenue surged 151% from the prior year, signaling strong growth momentum.

Mission

CRAF MEMBERS PROVIDE FINANCIAL LITERACY COUNSELING AND TRAINING, PRE/POST HOME OWNERSHIP COUNSELING, ENTREPRENEURIAL AND SMALL BUSINESS TRAINING, FORECLOSURE MODIFICATION COUNSELING, AND NEIGHBORHOOD PROGRAM

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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 $437,404

Program Service Revenue $11,833

Investment Income $0

Other Revenue $0

TOTAL REVENUE $449,237

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,974

Fundraising Expenses $0

Program Expenses $469,141

Other Expenses $380,938

TOTAL EXPENSES $486,912

Year-over-Year Comparison

	2024	2023	Change
Revenue	$449,237	$179,002	+1.5%
Expenses	$486,912	$188,688	+1.6%
Net Income	$-37,675	$-9,686	+2.9%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARDEN SHANK	FOUNDER	5.00	Officer Director	$0	$0	$0
MANDY BARTLE	MEMBER	2.00	Director	$0	$0	$0
SANDRA TOBON	MEMBER	2.00	Director	$0	$0	$0
TORRIO OSBORNE	MEMBER	2.00	Director	$0	$0	$0
MARIA COTO	MEMBER	2.00	Director	$0	$0	$0
COURTNEY BISCARDI	VICE CHAIR	2.00	Director	$0	$0	$0
KEON WILLIAMS	MEMBER	2.00	Director	$0	$0	$0
MONTE LARSON	TREASURER	2.00	Officer Director	$0	$0	$0
PATRICIA TRACEY	MEMBER	5.00	Officer Director	$0	$0	$0
TAMERA PATRICK-TEDDER	MEMBER	2.00	Director	$0	$0	$0
DON D PATTERSON	MEMBER	2.00	Director	$0	$0	$0
CAMILO MEJIA	MEMBER	2.00	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
2024	$449,237	$486,912	$533,805	$-37,675
2023	$179,002	$188,688	$56,207	$-9,686
2022	$195,825	$186,899	$65,893	$8,926
2021	$143,906	$143,137	$56,967	$769
2020	$149,714	$123,233	$56,076	$26,481

COMMUNITY REINVESTMENT ALLIANCE OF FLORI