BIN SBA LOAN

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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

2016

Legal Domicile

Principal Officer

JOE SKY-TUCKER

Phone

2063244330

Tax Period

2024-01-01 to 2024-12-31

BIN SBA LOAN, founded in 2016, is a micro nonprofit in the Public & Societal Benefit sector that reported $99K in total revenue in fiscal year 2024. Revenue surged 214% from the prior year, signaling strong growth momentum. The organization ran a surplus of $98K, a strong 99% operating margin.

Mission

TO PROVIDE LOAN FINANCING AND SUPPORT TO SERVE THE NEEDS OF AND BENEFIT SMALL BUSINESS AND RESIDENTS IN THE STATE OF WASHINGTON.

Program Service Accomplishments

Program 1

Expenses: $810 Revenue: $27,189

TO PROVIDE LOAN FINANCING AND SUPPORT TO SERVE THE NEEDS OF AND BENEFIT SMALL BUSINESS AND RESIDENTS IN THE STATE OF WASHINGTON.

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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 $71,367

Program Service Revenue $21,479

Investment Income $0

Other Revenue $5,710

TOTAL REVENUE $98,556

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $810

Other Expenses $810

TOTAL EXPENSES $810

Year-over-Year Comparison

	2024	2023	Change
Revenue	$98,556	$31,428	+2.1%
Expenses	$810	$643	+0.3%
Net Income	$97,746	$30,785	+2.2%

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

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

$312,882

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN ZMOLEK	BOARD CHAIR	0.25	Officer Director	$0	$0	$0
KELLEN BALL	BOARD VICE CHAIR	0.25	Officer Director	$0	$0	$0
PAUL KIRKBRIDE	BOARD TREASURER	0.25	Officer Director	$0	$0	$0
LORRI WALLACE	SECRETARY	0.25	Officer Director	$0	$0	$0
JESSICA ENZI	DIRECTOR (THRU 1/24)	0.25	Officer Director	$0	$0	$0
PETER HA	DIRECTOR	0.25	Director	$0	$0	$0
ROBERT LUETTJOHANN	DIRECTOR	0.25	Director	$0	$0	$0
SEAN O'MEALIA	DIRECTOR	0.25	Director	$0	$0	$0
MEGAN SNYDER	DIRECTOR	0.25	Director	$0	$0	$0
KURT HEATH	DIRECTOR	0.25	Director	$0	$0	$0
JOSEPH SKY-TUCKER	PRESIDENT/CEO	0.25	Officer	$0	$17,743	$167,548
HENRY HITT	CFO/COO	0.25	Officer	$0	$10,930	$145,334

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	$98,556	$810	$455,397	$97,746
2023	$31,428	$643	$413,537	$30,785
2022	$19,801	$65,312	$581,182	$-45,511
2021	$34,533	$82,042	$719,447	$-47,509
2020	$38,836	$47,253	$780,928	$-8,417