National Council of Higher Education Loan Programs (EIN 541204566) - 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

1967

Legal Domicile

Principal Officer

Alexander Ricci

Phone

2028222106

Tax Period

2024-07-01 to 2025-06-30

National Council of Higher Education Loan Programs, founded in 1967, is a small nonprofit that reported $857K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $224K, a strong 26% operating margin.

Mission

To provide superior advocacy, communications, regulatory analysis and engagement, and operational support to its members so they may effectively help students and families develop, pay for, and achieve their career, training, and postsecondary educational goals.

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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 $0

Program Service Revenue $844,467

Investment Income $11,164

Other Revenue $1,740

TOTAL REVENUE $857,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,995

Fundraising Expenses $0

Program Expenses $503,265

Other Expenses $519,394

TOTAL EXPENSES $633,389

Year-over-Year Comparison

	2024	2023	Change
Revenue	$857,371	$787,970	+0.1%
Expenses	$633,389	$1,011,566	-0.4%
Net Income	$223,982	$-223,596	-2.0%

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

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

$89,213

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stefanie Gramm	Director Operations and Meetings	40.00	Highest	$91,116	$27,490	$118,606
James Bergeron	President until 125	40.00	Officer	$85,306	$3,907	$89,213
James T Farha	Director At-Large	1.00	Director	$0	$0	$0
Jimmy Parker	Director At-Large	1.00	Director	$0	$0	$0
Ray Jones	Director At-Large	1.00	Director	$0	$0	$0
Melissa Neal	Director At-Large	1.00	Director	$0	$0	$0
Scott A Giles	Director At-Large	1.00	Director	$0	$0	$0
Ron Gambill	Treasurer	1.00	Director	$0	$0	$0
Scott D Giles	Chair-Elect	1.00	Director	$0	$0	$0
Kelly Lipinski	Director At-Large	1.00	Director	$0	$0	$0
Joseph Santoro	Director At-Large	1.00	Director	$0	$0	$0
Bob Collins	Director At-Large	1.00	Director	$0	$0	$0
Christopher Chapman	Director At-Large	1.00	Director	$0	$0	$0
Angela Baier	Immediate Past-Chair	1.00	Officer Director	$0	$0	$0
Diana Barber	Chair	1.00	Officer Director	$0	$0	$0
Alexander Ricci	President as of 425	1.00	Officer 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	$857,371	$633,389	$721,764	$223,982
2024	$787,970	$1,011,566	$361,451	$-223,596
2023	$914,816	$1,250,043	$863,659	$-335,227
2022	$1,209,566	$1,365,067	$1,157,483	$-155,501
2021	$1,088,695	$1,277,722	$1,547,938	$-189,027
2020	$1,059,160	$1,381,289	$1,587,813	$-322,129
2019	$1,259,757	$1,437,460	$1,811,641	$-177,703
2018	$1,565,212	$1,415,163	$1,628,155	$150,049

National Council of Higher Education Loan Programs