YOUTH FINANCIAL LITERACY FOUNDATION (EIN 800056165) - 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

2003

Legal Domicile

Principal Officer

MICHAEL CURRY

Phone

7344697150

Tax Period

2023-01-01 to 2023-12-31

YOUTH FINANCIAL LITERACY FOUNDATION, founded in 2003, is a community nonprofit in the Arts, Culture & Humanities sector that reported $2.0M in total revenue in fiscal year 2023. Revenue decreased 13% compared to the prior year. Expenses of $4.4M exceeded revenue, resulting in a 125% operating deficit.

Mission

THE PURPOSE OF THE YOUTH FINANCIAL LITERACY FOUNDATION IS TO PROMOTE FINANCIAL UNDERSTANDING & KNOWLEDGE & INSTILL HABITS FOR SOUND MONEY MANAGEMENT & LIFELONG LEARNING.

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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 $1,965,549

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,965,549

Expense Breakdown

Grants Paid $59,513

Salaries & Benefits $960,153

Fundraising Expenses $0

Program Expenses $2,458,895

Other Expenses $3,409,643

TOTAL EXPENSES $4,429,309

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,965,549	$2,261,001	-0.1%
Expenses	$4,429,309	$7,224,475	-0.4%
Net Income	$-2,463,760	$-4,963,474	-0.5%

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

$175,000

Total Directors

$100,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CURRY	PRESIDENT TREASURER	24.00	Officer Director	$100,000	$0	$100,000
STEVE COJEI	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL SCULLEN	DIRECTOR	1.00	Director	$0	$0	$0
ROHIL RATANPARA	VP TECHNOLOGY	40.00	Officer	$67,653	$7,347	$75,000

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	$1,965,549	$4,429,309	$339,296	$-2,463,760
2022	$2,261,001	$7,224,475	$2,768,362	$-4,963,474
2021	$6,961,038	$7,792,063	$7,731,836	$-831,025
2020	$13,456,358	$7,652,729	$8,562,555	$5,803,629
2019	$6,464,517	$5,788,720	$2,758,926	$675,797
2018	$5,352,694	$5,258,323	$2,083,129	$94,371

YOUTH FINANCIAL LITERACY FOUNDATION