ENVIRONMENTAL BANKERS ASSOCIATION (EIN 541684452) - 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

DAVID LAMBERT

Phone

6786195045

Tax Period

2023-01-01 to 2023-12-31

ENVIRONMENTAL BANKERS ASSOCIATION, founded in 1994, is a small nonprofit that reported $339K in total revenue in fiscal year 2023. Expenses of $421K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROMOTE BEST PRACTICES THAT PROTECT AND PRESERVE NET INCOME AND ASSETS OF BANKS, OTHER FINANCIAL INSTITUTIONS, AND ALLED INDUSTRIES FROM ENVIRONMENTAL RISK AND LIABILITY RESULTING FROM LENDING AND ASSET MANAGMENT ACTIVITIES.

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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 $163,132

Program Service Revenue $174,913

Investment Income $725

Other Revenue $0

TOTAL REVENUE $338,770

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $283,227

Other Expenses $420,819

TOTAL EXPENSES $420,819

Year-over-Year Comparison

	2023	2022	Change
Revenue	$338,770	$328,091	+0.0%
Expenses	$420,819	$307,063	+0.4%
Net Income	$-82,049	$21,028	-4.9%

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

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
DAVID LAMBERT	PRESIDENT	2.00	Officer Director	$0	$0	$0
JOHN RYBAK	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
RITA WIGGIN	SECRETARY	2.00	Officer Director	$0	$0	$0
MARY CLARE MAXWELL	TREASURER	2.00	Officer Director	$0	$0	$0
ONAMIA CHUN	MEMBERSHIP COMMITTEE CHAIR	2.00	Director	$0	$0	$0
SEAN LEARY	AFFILIATE GOVERNOR	1.00	Director	$0	$0	$0
SCOTT DAVIS	AFFILIATE GOVERNOR	1.00	Director	$0	$0	$0
JENNIFER BELLAMY	CONFERENCE CHAIR	2.00	Director	$0	$0	$0
CAITLIN LOZANO	RISK MANAGEMENT CHAIR	1.00	Director	$0	$0	$0
GEORGINA DANNATT	TECHNICAL/ ASTM CHAIR	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	$338,770	$420,819	$561,007	$-82,049
2022	$328,091	$307,063	$585,440	$21,028
2021	$225,929	$186,849	$568,157	$39,080
2020	$296,276	$295,184	$514,155	$1,092
2019	$425,196	$378,137	$591,292	$47,059
2018	$412,053	$341,661	$493,850	$70,392

ENVIRONMENTAL BANKERS ASSOCIATION