TSBS INC (EIN 720019332) - 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

1981

Legal Domicile

Principal Officer

JOHN NAUGHTON

Phone

2257668595

Tax Period

2024-09-01 to 2025-08-31

TSBS INC, founded in 1981, is a community nonprofit in the Education sector that reported $2.9M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $2.6M left a modest 12% surplus.

Mission

TSBS IS AN EDUCATIONAL INSTITUTION FOR THE BANKING INDUSTRY PROVIDING CLASSROOM TRAINING TO BANKING INDUSTRY PERSONNEL IN A WIDE VARIETY OF FINANCIAL RELATED MATTERS.

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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 $2,514,253

Investment Income $384,519

Other Revenue $18,325

TOTAL REVENUE $2,917,097

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,034,923

Fundraising Expenses $0

Program Expenses $1,661,103

Other Expenses $1,543,611

TOTAL EXPENSES $2,578,534

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,917,097	$2,453,515	+0.2%
Expenses	$2,578,534	$2,368,212	+0.1%
Net Income	$338,563	$85,303	+3.0%

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

$20,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN NAUGHTON	EXECUTIVE DIRECTOR	40.00		$220,146	$53,615	$273,761
Stephen David	President	5.00	Officer	$20,500	$0	$20,500
Ginger Laurent	Chairman	5.00	Officer	$0	$0	$0
Sherri Sackett	President	5.00	Officer	$0	$0	$0
Gordon Fellows	Chairman	5.00	Officer	$0	$0	$0
Scott Cocanougher	President	5.00	Officer	$0	$0	$0
Fred Green	Chairman	5.00	Officer	$0	$0	$0
Kathy Kraninger	Chairman	5.00	Officer	$0	$0	$0
Ryan Earnest	Vice President	5.00	Officer	$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	$2,917,097	$2,578,534	$6,605,189	$338,563
2024	$2,453,515	$2,368,212	$6,193,102	$85,303
2023	$2,456,850	$2,167,630	$6,627,545	$289,220
2022	$49,051	$354,340	$7,541,535	$-305,289
2022	$2,757,747	$2,190,243	$7,766,024	$567,504
2021	$756,527	$1,738,548	$10,399,338	$-982,021
2020	$1,933,880	$1,414,965	$11,277,075	$518,915
2019	$2,710,938	$2,507,035	$13,592,654	$203,903

TSBS INC