LATINO STUDENT FUND (EIN 521859975) - 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

1994

Legal Domicile

Principal Officer

CLAUDIA SAAD

Phone

2022443438

Tax Period

2024-09-01 to 2025-08-31

LATINO STUDENT FUND, founded in 1994, is a small nonprofit in the Education sector that reported $930K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $1.2M exceeded revenue, resulting in a 25% operating deficit.

Mission

TO PROVIDE OPPORTUNITIES FOR A STRONG ACADEMIC FOUNDATION FOR UNDERSERVED PRE-K TO 12TH GRADE STUDENTS OF HISPANIC DESCENT AND TO PROMOTE HIGHER EDUCATION AND PROFESSIONAL LEADERSHIP.

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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 $910,105

Program Service Revenue $15,100

Investment Income $3,126

Other Revenue $1,500

TOTAL REVENUE $929,831

Expense Breakdown

Grants Paid $106,000

Salaries & Benefits $647,006

Fundraising Expenses $95,330

Program Expenses $761,822

Other Expenses $406,105

TOTAL EXPENSES $1,159,111

Year-over-Year Comparison

	2024	2023	Change
Revenue	$929,831	$1,050,116	-0.1%
Expenses	$1,159,111	$1,054,331	+0.1%
Net Income	$-229,280	$-4,215	+53.4%

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

320

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

$117,655

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARIA FERNANDA BORJA	PRESIDENT	055.00	Officer	$108,088	$9,567	$117,655
ALEJANDRA MONTENEGRO ALMONTE	SECRETARY	002.00	Officer Director	$0	$0	$0
JEYBEN J CASTRO	VICE CHAIR	002.00	Officer Director	$0	$0	$0
CLAUDIA SAAD	CHAIR	008.00	Officer Director	$0	$0	$0
ASELA REBECCA MEJIA	TREASURER	002.00	Officer Director	$0	$0	$0
CRISTAL BRUN	DIRECTOR	002.00	Director	$0	$0	$0
ALDO Y GUERRERO	DIRECTOR	002.00	Director	$0	$0	$0
OMAR MOLINA	DIRECTOR	002.00	Director	$0	$0	$0
CYNTHIA L CIFUENTES	DIRECTOR	002.00	Director	$0	$0	$0
PAMELA NIETO	DIRECTOR	002.00	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
2025	$929,831	$1,159,111	$827,803	$-229,280
2024	$1,050,116	$1,054,331	$889,190	$-4,215
2023	$854,771	$1,042,885	$950,087	$-188,114
2022	$1,245,824	$968,241	$1,043,757	$277,583
2022	$1,245,824	$968,241	$1,043,757	$277,583
2021	$1,235,382	$972,580	$770,262	$262,802
2020	$1,023,403	$912,398	$523,454	$111,005
2019	$660,227	$597,009	$399,226	$63,218
2018	$586,257	$586,907	$331,952	$-650

LATINO STUDENT FUND