SHARE CREDIT CORPORATION (EIN 582240168) - 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

1996

Legal Domicile

Principal Officer

ALEX MILLER

Phone

4047907400

Tax Period

2024-01-01 to 2024-12-31

SHARE CREDIT CORPORATION, founded in 1996, is a micro nonprofit in the Housing & Shelter sector that reported $92K in total revenue in fiscal year 2024. The organization ran a surplus of $62K, a strong 67% operating margin.

Mission

TO PROVIDE A SYSTEM OF SHARE LOAN FINANCING THAT INCLUDES LOW INCOME HOUSING MEMBERS, AND TO PROVIDE INVESTMENT OPPORTUNITIES FOR PARTICIPATING NON PROFIT HOUSING COOPERATIVES.

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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 $92,416

Investment Income $0

Other Revenue $0

TOTAL REVENUE $92,416

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $9,947

Other Expenses $30,766

TOTAL EXPENSES $30,766

Year-over-Year Comparison

	2024	2023	Change
Revenue	$92,416	$94,518	0.0%
Expenses	$30,766	$43,815	-0.3%
Net Income	$61,650	$50,703	+0.2%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL SOLOMON	PRESIDENT	1.00	Officer Director	$0	$0	$0
HESTER MARSHAL	SECRETARY	1.00	Officer Director	$0	$0	$0
ERIN MCDONALD	TREASURER	1.00	Officer Director	$0	$0	$0
CONTESSA DEAN	BOARD MEMBER	1.00	Director	$0	$0	$0
DINO DEMARE	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	$92,416	$30,766	$2,104,167	$61,650
2023	$94,518	$43,815	$2,042,517	$50,703
2022	$83,240	$33,976	$1,994,124	$49,264
2021	$101,176	$90,848	$1,942,550	$10,328
2020	$189,214	$22,945	$2,134,867	$166,269
2019	$168,133	$42,425	$2,174,295	$125,708
2018	$182,662	$66,750	$2,577,777	$115,912

SHARE CREDIT CORPORATION