California Finance Consortium (EIN 743111258) - 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

2014

Legal Domicile

Principal Officer

Brynda Stranix

Phone

5308938732

Tax Period

2023-07-01 to 2024-06-30

California Finance Consortium, founded in 2014, is a micro nonprofit in the Environment sector that reported $6K in total revenue in fiscal year 2023. Revenue decreased 5% compared to the prior year. Expenses of $725K exceeded revenue, resulting in a 11503% operating deficit.

Mission

The California Finance Consortium provides loss protection and capital support to its member lenders in the form of loan guarantees and loan participations.

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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 $0

Program Service Revenue $6,246

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,246

Expense Breakdown

Grants Paid $700,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $719,680

Other Expenses $24,706

TOTAL EXPENSES $724,706

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,246	$6,593	-0.1%
Expenses	$724,706	$19,101	+36.9%
Net Income	$-718,460	$-12,508	+56.4%

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
Brynda Stranix	President	1.00	Director	$0	$0	$0
Ross Welch	Vice President	1.00	Director	$0	$0	$0
Patty Hess	Secretary/Treasurer	1.00	Director	$0	$0	$0
Ryan Richardson	Director	1.00	Director	$0	$0	$0
Joanna Williams	Finance Officer	10.00	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	No data	No data	No data	No data
2024	$6,246	$724,706	$1,741,979	$-718,460
2023	$6,593	$19,101	$2,160,239	$-12,508
2022	$607,994	$48,040	$2,171,947	$559,954
2021	$344,042	$48,271	$1,861,993	$295,771
2020	$1,069,585	$23,766	$1,566,222	$1,045,819
2019	$185,000	$25,190	$520,403	$159,810
2018	$38,000	$17,751	$560,593	$20,249

California Finance Consortium