Coalition of Higher Education Assistance Organizations (EIN 521236537) - 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

1981

Legal Domicile

Principal Officer

Harrison Wadsworth

Phone

2023492303

Tax Period

2020-01-01 to 2020-12-31

Coalition of Higher Education Assistance Organizations, founded in 1981, is a small nonprofit that reported $165K in total revenue in fiscal year 2020. Revenue fell 33% from the prior year — a significant decline worth monitoring.

Mission

Provide Information to the membership concerning legislation and federal regulations affecting student loan billing and collections.

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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 $139,208

Program Service Revenue $26,213

Investment Income $0

Other Revenue $0

TOTAL REVENUE $165,421

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60,000

Fundraising Expenses $0

Program Expenses $14,289

Other Expenses $108,066

TOTAL EXPENSES $168,066

Year-over-Year Comparison

	2020	2019	Change
Revenue	$165,421	$245,572	-0.3%
Expenses	$168,066	$204,201	-0.2%
Net Income	$-2,645	$41,371	-1.1%

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

Employees

N/A

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

$60,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mr Harrison M Wadsworth	Executive Director	15.0	Officer	$0	$0	$60,000
Mr James Seward	Member At Large	1.0	Director	$0	$0	$0
Mr Robert Perrin	Regulatory Co-Chair	1.0	Director	$0	$0	$0
Ms Christina Cardinale	Member At Large	1.0	Director	$0	$0	$0
Ms Lee Anne Wigdahl	Secretary	1.0	Officer Director	$0	$0	$0
Ms Lori Hartung	President	1.0	Officer Director	$0	$0	$0
Ms Jan Hnilica	Vice President	1.0	Officer Director	$0	$0	$0
Ms Maria Livolsi	Past-President	1.0	Director	$0	$0	$0
Ms Karen Reddick	Internal Operations Chair	1.0	Director	$0	$0	$0
Mr John Schwarm	Communications Co-Chair	1.0	Director	$0	$0	$0
Ms Nancy Lange	Membership Chair	1.0	Director	$0	$0	$0
Ms Beth Gloekler	Membership Co-Chair	1.0	Director	$0	$0	$0
Mr Robert Frick	Treasurer	1.0	Officer Director	$0	$0	$0
Ms Lottia Windham	FInancial Wellness Chair	1.0	Director	$0	$0	$0
Mr Joe Weglarz	Loan Task Force Chair	1.0	Director	$0	$0	$0
Mr Jim Garrant	Membership Co-Chair	1.0	Director	$0	$0	$0
Mr Robert Schuerger	Legislative Chair	1.0	Director	$0	$0	$0
Ms Michelle Hartmann	Communications Chair	1.0	Director	$0	$0	$0
Mr Chris Stompanato	Membership Co-Chair	1.0	Director	$0	$0	$0
Ms LaToya Smith	Member At Large	1.0	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	$165,421	$168,066	$111,426	$-2,645
2019	$245,572	$204,201	$165,238	$41,371
2018	$202,025	$222,522	$125,802	$-20,497

Coalition of Higher Education Assistance Organizations