Alliance Lending Corporation (EIN 751552630) - 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

JAMES STOKES

Phone

8178716444

Tax Period

2024-01-01 to 2024-12-31

Alliance Lending Corporation, founded in 1976, is a small nonprofit in the Community Improvement sector that reported $602K in total revenue in fiscal year 2024. Expenses of $707K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO ADMINISITER LOANS TO FOR-PROFIT BUSINESSES THROUGHOUT THE STATE OF TEXAS USING VARIOUS GOVERNMENT LOAN PROGRAMS.

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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 $417,989

Investment Income $182,646

Other Revenue $1,000

TOTAL REVENUE $601,635

Expense Breakdown

Grants Paid $0

Salaries & Benefits $547,717

Fundraising Expenses $0

Program Expenses $353,505

Other Expenses $159,620

TOTAL EXPENSES $707,337

Year-over-Year Comparison

	2024	2023	Change
Revenue	$601,635	$588,111	+0.0%
Expenses	$707,337	$766,409	-0.1%
Net Income	$-105,702	$-178,298	-0.4%

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

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

$147,420

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James Stokes	Executive Director	40.0	Officer	$147,420	$0	$147,420
Bob Skrobarcek	Director	1.0	Director	$0	$0	$0
Nancy Sanchez	Director	1.0	Director	$0	$0	$0
Kenneth R Petree	Director	1.0	Director	$0	$0	$0
Carlos De La Torre	Past Board President	1.0	Director	$0	$0	$0
RYAN V JONES	Board President	1.0	Officer Director	$0	$0	$0
Rajiv P Dave	Treasurer	1.0	Officer Director	$0	$0	$0
David G Ayala	Secretary	1.0	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
2024	$601,635	$707,337	$1,334,539	$-105,702
2023	$588,111	$766,409	$1,458,151	$-178,298
2022	$418,202	$732,960	$1,658,331	$-314,758
2021	$490,635	$681,706	$1,846,801	$-191,071
2020	$452,807	$652,787	$2,016,744	$-199,980
2019	$621,913	$568,327	$2,191,673	$53,586
2018	$649,914	$637,157	$2,144,695	$12,757

Alliance Lending Corporation