COUNCIL OF FEDERAL HOME LOAN BANKS (EIN 541877922) - 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

1998

Legal Domicile

Principal Officer

RYAN DONOVAN

Phone

2029550002

Tax Period

2023-01-01 to 2023-12-31

COUNCIL OF FEDERAL HOME LOAN BANKS, founded in 1998, is a community nonprofit that reported $6.6M in total revenue in fiscal year 2023. Revenue surged 131% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 15% operating margin.

Mission

RYAN DONOVAN, PRESIDENT/CEO, HAS A DISCRETIONARY SPENDING ACCOUNT.

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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 $0

Program Service Revenue $6,600,000

Investment Income $186

Other Revenue $0

TOTAL REVENUE $6,600,186

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,092,395

Fundraising Expenses $0

Other Expenses $3,493,686

TOTAL EXPENSES $5,586,081

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,600,186	$2,860,095	+1.3%
Expenses	$5,586,081	$3,236,959	+0.7%
Net Income	$1,014,105	$-376,864	-3.7%

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

$1,038,729

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW S HOWELL	DIRECTOR	2.00	Director	$0	$0	$0
BARRY LOCKARD	DIRECTOR	2.00	Director	$0	$0	$0
BRIDGER COX	DIRECTOR	2.00	Director	$0	$0	$0
CINDY KONICH	DIRECTOR	2.00	Director	$0	$0	$0
DONNA L BOULANGER	DIRECTOR	2.00	Director	$0	$0	$0
ELLEN Z LAMALE	DIRECTOR	2.00	Director	$0	$0	$0
ERIC CHATMA N	DIRECTOR	2.00	Director	$0	$0	$0
F DANIEL DAN SICILIANO	DIRECTOR	2.00	Director	$0	$0	$0
J LYNN ANDERSON	DIRECTOR	2.00	Director	$0	$0	$0
JAMES T ASHWORTH	DIRECTOR	2.00	Director	$0	$0	$0
JAMES VANCE	DIRECTOR	2.00	Director	$0	$0	$0
JOE FAZIO	DIRECTOR	2.00	Director	$0	$0	$0
JOHN BURAN	DIRECTOR	2.00	Director	$0	$0	$0
JOSE GONZALEZ	DIRECTOR	2.00	Director	$0	$0	$0
KAREN F GREGERSON	DIRECTOR	2.00	Director	$0	$0	$0
KARL BOLLINGBERG	DIRECTOR	2.00	Director	$0	$0	$0
KIRK R MALMBERG	DIRECTOR	2.00	Director	$0	$0	$0
KRIS K WILLIAMS	DIRECTOR	2.00	Director	$0	$0	$0
LARRY E THOMPSON	DIRECTOR	2.00	Director	$0	$0	$0
LOUISE M HERRLE	DIRECTOR	2.00	Director	$0	$0	$0
MARGO S SCHOLIN	DIRECTOR	2.00	Director	$0	$0	$0
MARK E YARDLEY	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL A ERICSON	DIRECTOR	2.00	Director	$0	$0	$0
R MICHAEL RIGBY	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT M FISHER	DIRECTOR	2.00	Director	$0	$0	$0
SANJAY BHASIN	DIRECTOR	2.00	Director	$0	$0	$0
SIMONE LAGOMARSINO	DIRECTOR	2.00	Director	$0	$0	$0
SUZANNE DEFERIE	DIRECTOR	2.00	Director	$0	$0	$0
TERESA BRYCE BAZEMORE	DIRECTOR	2.00	Director	$0	$0	$0
THORNWELL DUNLAP	DIRECTOR	2.00	Director	$0	$0	$0
TIMOTHY BARRETT	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM MARSH	DIRECTOR	2.00	Director	$0	$0	$0
WINTHROP WATSON	DIRECTOR	2.00	Director	$0	$0	$0
KEYA JACKSON	VP, COO/CORPORATE SECRETARY	40.00	Officer	$312,181	$29,003	$341,184
RYAN DONOVAN	PRESIDENT/CEO	40.00	Officer	$624,868	$72,677	$697,545
JENNIFER COWELL	EXEC VP POLICY, GOV'T RELA	40.00	Highest	$359,259	$66,211	$425,470
PETER GARUCCIO	SVP, COMMUNICATIONS	40.00	Highest	$115,000	$6,000	$121,000

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	$6,600,186	$5,586,081	$3,531,740	$1,014,105
2022	$2,860,095	$3,236,959	$2,520,705	$-376,864
2021	$2,908,070	$2,702,463	$1,550,858	$205,607
2020	$3,190,067	$2,800,007	$1,447,995	$390,060
2019	$3,190,048	$2,932,323	$958,529	$257,725
2018	$2,861,886	$2,670,435	$790,748	$191,451

COUNCIL OF FEDERAL HOME LOAN BANKS