BANK INFORMATION CENTER

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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

1988

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

BANK INFORMATION CENTER, founded in 1988, is a community nonprofit in the Unknown sector that reported $2.9M in total revenue in fiscal year 2023. Revenue surged 94% from the prior year, signaling strong growth momentum. Expenses of $2.8M left a modest 5% surplus.

Mission

BANK INFORMATION CENTER PARTNERS WITH CIVIL SOCIETY TO SPOTLIOGHT THE RISKS AND IMPROVE THE TRANSPARENCY, ACCOUNTABILITY, AND SUSTANABILITY OF DEVELOPMENT FINANCE.

Program Service Accomplishments

Program 1

Expenses: $623,278

SOCIAL INCLUSION THE PROGRAM WORKS SPECIFICALLY TO IMPROVE IFI (INTERNATIONAL FINANCE INSTITUTION) GOVERNANCE AND OPERATIONS BY PRIORITIZING THE INCLUSION OF MARGINALIZED GROUPS, THE PROTECTION OF...

SOCIAL INCLUSION THE PROGRAM WORKS SPECIFICALLY TO IMPROVE IFI (INTERNATIONAL FINANCE INSTITUTION) GOVERNANCE AND OPERATIONS BY PRIORITIZING THE INCLUSION OF MARGINALIZED GROUPS, THE PROTECTION OF THEIR RIGHTS, AND THEIR EQUAL ACCESS TO PROJECT BENEFITS. BIC'S ADVOCACY CURRENTLY FOCUSES OF THREE MARGINALIZED GROUPS THAT HAVE BEEN HISTORICALLY OERLOOKED BY IFIS: CHILREN, WOMEN AND PERSONS WITH DISABILITIES.

Program 2

Expenses: $609,423

ENVIRONMENT: THE PROGRAM WORKS TO ENSURE THAT MDBS SUPPORT POSITIVE ACTION ON CLIMATE AND FORESTS, INCORPORATING ENVIRONMENTAL SUSTAINABILITY, AND PEOPLE'S RIGHTS TO A LIVABLE ENVIROMENT, THROUGHOUT...

Program 3

Expenses: $503,794

SPECIAL PROJECTS

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,812,831

Program Service Revenue $0

Investment Income $98,927

Other Revenue $0

TOTAL REVENUE $2,911,758

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,562,809

Fundraising Expenses $53,090

Program Expenses $2,505,669

Other Expenses $1,204,212

TOTAL EXPENSES $2,767,021

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,911,758	$1,503,355	+0.9%
Expenses	$2,767,021	$2,510,072	+0.1%
Net Income	$144,737	$-1,006,717	-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

Total Directors

$146,738

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELANA BERGER	Executive Dir.	40.00	Director	$146,738	$0	$146,738
GUNILA OLSSON	BOARD MEMBER	1.00	Director	$0	$0	$0
FATUMA IBRAHIM	BOARD MEMBER	1.00	Director	$0	$0	$0
MARTI FLACKS	BOARD MEMBER	1.00	Director	$0	$0	$0
STEWART ROSS	Treasurer	1.00	Director	$0	$0	$0
JOSHUA LICHTENSTEIN	Chairman	1.00	Director	$0	$0	$0
IMAD SADI	BOARD MEMBER	1.00	Director	$0	$0	$0
JUDY GEARHART	BOARD MEMBER	1.00	Director	$0	$0	$0
KINDRA MOHR	BOARD MEMBER	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
2024	No data	No data	No data	No data
2023	$2,911,758	$2,767,021	$3,138,226	$144,737
2022	$1,503,355	$2,510,072	$3,158,517	$-1,006,717
2021	$2,106,901	$2,101,960	$3,316,914	$4,941
2020	$3,339,165	$1,802,362	$3,208,847	$1,536,803
2019	$1,408,260	$1,726,597	$1,531,584	$-318,337
2018	$1,166,061	$1,635,995	$1,737,786	$-469,934