FLORIDA FINANCIAL SERVICES ASSOC

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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

1987

Legal Domicile

Principal Officer

SCOTT JENKINS

Phone

8505133615

Tax Period

2024-01-01 to 2024-12-31

FLORIDA FINANCIAL SERVICES ASSOC, founded in 1987, is a small nonprofit that reported $287K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $331K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO PROTECT THE BORROWING PUBLIC AGAINST UNFAIR OR INEQUITABLE CHARGES IN THE MAKING OF LOANS AND THE UTILIZATION OF CREDIT.

Program Service Accomplishments

Program 1

TO PROTECT THE BORROWING PUBLIC AGAINST UNFAIR OR INEQUITABLE CHARGES IN THE MAKING OF LOANS AND THE UTILIZATION OF CREDIT.

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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 $287,200

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $287,200

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $330,694

TOTAL EXPENSES $330,694

Year-over-Year Comparison

	2024	2023	Change
Revenue	$287,200	$233,200	+0.2%
Expenses	$330,694	$212,712	+0.6%
Net Income	$-43,494	$20,488	-3.1%

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
AUSTIN CLANCY	DIRECTOR	N/A	Officer Director	$0	$0	$0
SCOTT JENKINS	EXECUTIVE DI	N/A	Officer Director	$0	$0	$0
SALVATORE SCAFFIDI	PRESIDENT	N/A	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	No data	No data	No data	No data
2024	$287,200	$330,694	$68,138	$-43,494
2023	$233,200	$212,712	$111,632	$20,488
2022	$359,900	$304,526	$91,144	$55,374
2021	$138,188	$133,909	$35,770	$4,279
2020	$157,909	$145,080	$31,491	$12,829
2019	$129,967	$128,371	$18,662	$1,596
2018	$39,799	$54,083	$39,057	$-14,284