Student Loan Guarantee Foundation of Arkansas (EIN 710394768) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1966

Legal Domicile

Principal Officer

Kimberly Elrod

Phone

5013721491

Tax Period

2018-10-01 to 2019-09-30

Student Loan Guarantee Foundation of Arkansas, founded in 1966, is a small nonprofit in the Public & Societal Benefit sector that reported $265K in total revenue in fiscal year 2017. Revenue surged 52% from the prior year, signaling strong growth momentum. Expenses of $2.0M exceeded revenue, resulting in a 638% operating deficit.

Mission

To provide support to colleges and universities in the area of student debt management.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $186,849

Investment Income $-481,194

Other Revenue $3,743

TOTAL REVENUE $-290,602

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,207,059

Fundraising Expenses $0

Program Expenses $1,468,393

Other Expenses $520,461

TOTAL EXPENSES $1,727,520

Year-over-Year Comparison

	2018	2017	Change
Revenue	$-290,602	$264,763	-2.1%
Expenses	$1,727,520	$1,954,287	-0.1%
Net Income	$-2,018,122	$-1,689,524	+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

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

$362,730

Total Directors

$259,710

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dr Samuel Howell	Member	1.00	Director	$4,125	$0	$4,125
Dr Tom Bishop	Member	1.00	Director	$4,525	$0	$4,525
Mr Gary Greene	Member	1.00	Director	$4,450	$0	$4,450
Mr Mark Ryan	Member	1.00	Director	$4,925	$0	$4,925
Ms Susan Balest	Executive Director/CFO	40.00	Officer Director	$210,874	$30,811	$241,685
Ms Kimberly Elrod	Deputy Director	40.00	Officer	$111,119	$9,926	$121,045

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
2019	$-290,602	$1,727,520	$6,886,997	$-2,018,122
2018	$264,763	$1,954,287	$8,919,809	$-1,689,524

Student Loan Guarantee Foundation of Arkansas