BANK BOARD SMALL SAVERS CDC INC (EIN 521473769) - 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

1986

Legal Domicile

Principal Officer

JOURDEN WARREN

Phone

2029066312

Tax Period

2024-07-01 to 2025-06-30

BANK BOARD SMALL SAVERS CDC INC, founded in 1986, is a community nonprofit in the Human Services sector that reported $1.7M in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $1.5M left a modest 10% surplus.

Mission

CHILDCARE SERVICE

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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 $245,453

Program Service Revenue $1,407,924

Investment Income $33,683

Other Revenue $10,000

TOTAL REVENUE $1,697,060

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,148,354

Fundraising Expenses $0

Program Expenses $1,399,013

Other Expenses $377,042

TOTAL EXPENSES $1,525,396

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,697,060	$1,879,705	-0.1%
Expenses	$1,525,396	$1,396,441	+0.1%
Net Income	$171,664	$483,264	-0.6%

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
JOURDEN WARREN	PRESIDENT	5.00	Officer Director	$0	$0	$0
KALS LAKHANI	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
ARJUN VASAN	MEMBER	5.00	Director	$0	$0	$0
JOCELYN SUTTON	MEMBER	5.00	Director	$0	$0	$0
VICTORIA CALDWELL PRATT	TREASURER	5.00	Officer Director	$0	$0	$0
JULIA HOULIHAN	SECRETARY	5.00	Officer Director	$0	$0	$0
VALLERIE L TRIBBLE	EXECUTIVE DI	40.00	Highest	$110,665	$8,207	$118,872

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	$1,697,060	$1,525,396	$1,527,395	$171,664
2024	$1,879,705	$1,396,441	$1,349,407	$483,264
2023	$1,316,304	$1,073,612	$866,742	$242,692
2022	$1,293,707	$968,617	$633,986	$325,090
2021	$1,004,162	$834,077	$500,073	$170,085
2020	$1,097,264	$1,163,191	$407,504	$-65,927
2019	$1,185,656	$1,173,622	$223,885	$12,034
2018	$950,459	$1,110,691	$208,519	$-160,232

BANK BOARD SMALL SAVERS CDC INC