NATIONAL STUDENT EXCHANGE INC (EIN 822267125) - 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

2017

Legal Domicile

Principal Officer

DEBRA SANBORN

Phone

5154505529

Tax Period

2023-07-01 to 2024-06-30

NATIONAL STUDENT EXCHANGE INC, founded in 2017, is a small nonprofit in the Human Services sector that reported $522K in total revenue in fiscal year 2023. Revenue surged 66% from the prior year, signaling strong growth momentum. Expenses of $460K left a modest 12% surplus.

Mission

FACILITATING UNIVERSITY-LEVEL STUDENT EXCHANGE

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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 $1,424

Program Service Revenue $481,882

Investment Income $39,124

Other Revenue $0

TOTAL REVENUE $522,430

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $270,369

Fundraising Expenses $0

Program Expenses $363,152

Other Expenses $187,957

TOTAL EXPENSES $459,826

Year-over-Year Comparison

	2023	2022	Change
Revenue	$522,430	$314,932	+0.7%
Expenses	$459,826	$438,774	+0.0%
Net Income	$62,604	$-123,842	-1.5%

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

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

$192,114

Total Directors

$192,114

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBRA SANBORN	PRESIDENT	55.00	Officer Director	$124,639	$15,657	$140,296
DAVID HOLLIDAY	VICE PRESIDE	20.00	Officer Director	$41,711	$10,107	$51,818
ERIKA BENHARDT	DIR. (THRU 3	0.50	Director	$0	$0	$0
GREG GOLDEN	DIR. (THRU 1	0.50	Director	$0	$0	$0
LUIS IRIZARRY-RAMIREZ	DIR. (THRU 3	0.50	Director	$0	$0	$0
STACY JONES	DIRECTOR	0.50	Director	$0	$0	$0
STACEY LANG	DIR. (EFF 3/	0.50	Director	$0	$0	$0
BROOKE LAYHEE	DIR. (EFF 3/	0.50	Director	$0	$0	$0
ASHA MCCAULEY	DIR. (THRU 3	0.50	Director	$0	$0	$0
KELLY MORAN	DIR. (EFF 11	0.50	Director	$0	$0	$0
RAYNA TAGALICOD	DIR. (EFF 3/	0.50	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
2025	No data	No data	No data	No data
2024	$522,430	$459,826	$1,284,368	$62,604
2023	$314,932	$438,774	$1,219,758	$-123,842
2022	$475,696	$411,721	$1,346,511	$63,975
2021	$417,100	$395,357	$1,282,536	$21,743
2020	$510,919	$520,099	$1,296,207	$-9,180
2019	$499,257	$503,061	$1,268,694	$-3,804

NATIONAL STUDENT EXCHANGE INC