SOUTHERN FINANCIAL EXCHANGE (EIN 720797058) - 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

1976

Legal Domicile

Principal Officer

PAMELA RODRIGUEZ

Phone

5045256779

Tax Period

2023-01-01 to 2023-12-31

SOUTHERN FINANCIAL EXCHANGE, founded in 1976, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $1.4M left a modest 11% surplus.

Mission

SOUTHERN FINANCIAL EXCHANGE (SFE) PROVIDES EDUCATION, RISK AND COMPLIANCE SERVICES, ADVOCACY, AND CONSULTATIVE EXPERTISE TO THE FINANCIAL INSTITUTIONS AND ORGANIZATIONS WE SERVE, THROUGH A COLLABORATIVE PARTNERSHIP WITH OUR MEMBERS AND INDUSTRY LEADERS.

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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 $780,923

Program Service Revenue $772,453

Investment Income $47,740

Other Revenue $2,748

TOTAL REVENUE $1,603,864

Expense Breakdown

Grants Paid $0

Salaries & Benefits $975,084

Fundraising Expenses $0

Program Expenses $1,091,292

Other Expenses $459,540

TOTAL EXPENSES $1,434,624

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,603,864	$1,479,798	+0.1%
Expenses	$1,434,624	$1,538,777	-0.1%
Net Income	$169,240	$-58,979	-3.9%

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

$246,288

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM M FAZENDE III	CHAIRPERSON	0.50	Officer Director	$0	$0	$0
KELLY KIKER	VICE CHAIRPERSON	0.50	Officer Director	$0	$0	$0
BARBARA DANIELS	SECRETARY	0.50	Officer Director	$0	$0	$0
JASON NICHOLS	TREASURER	0.50	Officer Director	$0	$0	$0
JENNIFER BROCK	DIRECTOR	0.50	Director	$0	$0	$0
JERRY BRODNAX JR	DIRECTOR	0.50	Director	$0	$0	$0
EAN COLLEY	DIRECTOR	0.50	Director	$0	$0	$0
BJ COOLEY	DIRECTOR	0.50	Director	$0	$0	$0
BRENDA H ELDRIDGE	DIRECTOR	0.50	Director	$0	$0	$0
MISTY R FIEW	DIRECTOR	0.50	Director	$0	$0	$0
SHERRIE KLOTZ	DIRECTOR	0.50	Director	$0	$0	$0
BILL MCCOY	DIRECTOR	0.50	Director	$0	$0	$0
DONNA MCKEY	DIRECTOR	0.50	Director	$0	$0	$0
A JAVIER PASTOR	DIRECTOR	0.50	Director	$0	$0	$0
AMY SHREVE	DIRECTOR	0.50	Director	$0	$0	$0
PAM WARE	DIRECTOR	0.50	Director	$0	$0	$0
WENDY WOOD	DIRECTOR	0.50	Director	$0	$0	$0
JANIECE WRIGHT	DIRECTOR	0.50	Director	$0	$0	$0
RYAN HILL	DIRECTOR	0.50	Director	$0	$0	$0
SUSAN BIVENS	DIRECTOR	0.50	Director	$0	$0	$0
PAMELA T RODRIGUEZ	PRESIDENT & CEO	40.00	Officer	$198,719	$47,569	$246,288
NANCY MOSS	SENIOR VICE PRESIDENT	40.00	Highest	$118,509	$34,965	$153,474

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	$1,603,864	$1,434,624	$2,635,843	$169,240
2022	$1,479,798	$1,538,777	$2,564,260	$-58,979
2021	$1,354,861	$1,209,504	$2,453,548	$145,357
2020	$1,148,072	$1,093,431	$2,268,510	$54,641
2019	$1,189,961	$1,198,242	$2,185,350	$-8,281
2018	$1,144,669	$1,046,257	$2,169,905	$98,412

SOUTHERN FINANCIAL EXCHANGE