THE CAPITAL GOOD FUND (EIN 800348382) - 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

2009

Legal Domicile

Principal Officer

ANDREW POSNER

Phone

8665843651

Tax Period

2024-01-01 to 2024-12-31

THE CAPITAL GOOD FUND, founded in 2009, is a community nonprofit in the Community Improvement sector that reported $9.6M in total revenue in fiscal year 2024. Revenue surged 42% from the prior year, signaling strong growth momentum. Expenses of $8.3M left a modest 14% surplus.

Mission

THE CAPITAL GOOD FUND IS A U.S. TREASURY CERTIFIED COMMUNITY DEVELOPMENT FOUNDATION THAT TARGETS ROOT CAUSES OF POVERTY AND ENVIRONMENTAL INJUSTICE THROUGH INNOVATIVE PERSONAL LOANS AND FINANCIAL COACHING. ITS MISSION IS TO CREATE PATHWAYS OUT OF POVERTY AND ADVANCE A GREEN ECONOMY THROUGH INCLUSIVE FINANCIAL SERVICES.

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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 $6,391,274

Program Service Revenue $3,199,842

Investment Income $0

Other Revenue $0

TOTAL REVENUE $9,591,116

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,891,349

Fundraising Expenses $427,372

Program Expenses $6,876,320

Other Expenses $4,363,586

TOTAL EXPENSES $8,254,935

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,591,116	$6,754,848	+0.4%
Expenses	$8,254,935	$6,491,745	+0.3%
Net Income	$1,336,181	$263,103	+4.1%

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

$464,628

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARTHUR S GABINET	SECRETARY	1.00	Officer Director	$0	$0	$0
BETSY HARRIS	CO-CHAIR	1.00	Officer Director	$0	$0	$0
LIBBY KIMZEY	CO-CHAIR	1.00	Officer Director	$0	$0	$0
ERIC COHEN	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEY COOKE	DIRECTOR	1.00	Director	$0	$0	$0
NISHA FLOYD	DIRECTOR	1.00	Director	$0	$0	$0
RAHUL GUPTA	DIRECTOR	1.00	Director	$0	$0	$0
ELINA MAGALY SANTANA ESQ	DIRECTOR	1.00	Director	$0	$0	$0
JANELLE WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW POSNER	FOUNDER & CEO	40.00	Officer	$150,000	$6,000	$156,000
AISHA BUSSEY	CHIEF BUSINESS OFFICER	40.00	Officer	$146,063	$5,843	$151,906
JAMES MAZJANIS	CHIEF FINANCIAL OFFICER	40.00	Officer	$144,828	$11,894	$156,722
SARAH M MANDT	SENIOR VP INVESTOR RELATIONS	40.00	Highest	$105,319	$8,465	$113,784

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	$9,591,116	$8,254,935	$32,638,172	$1,336,181
2023	$6,754,848	$6,491,745	$23,807,401	$263,103
2022	$5,723,489	$5,479,002	$17,247,323	$244,487
2021	$6,219,609	$5,420,186	$12,958,920	$799,423
2020	$4,848,988	$4,382,324	$10,153,753	$466,664
2019	$3,303,503	$3,072,221	$8,205,256	$231,282
2018	$2,548,556	$2,508,130	$5,570,321	$40,426

THE CAPITAL GOOD FUND