CBA FUND (EIN 824272195) - 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

2018

Legal Domicile

Principal Officer

DARA DUGUAY

Phone

2027309390

Tax Period

2024-01-01 to 2024-12-31

CBA FUND, founded in 2018, is a small nonprofit in the Human Services sector that reported $546K in total revenue in fiscal year 2024. Revenue fell 59% from the prior year — a significant decline worth monitoring. Expenses of $932K exceeded revenue, resulting in a 71% operating deficit.

Mission

CBA FUND'S MISSION IS TO EXPAND THE CAPACITY OF NONPROFITS THAT PROVIDE SAFE AND AFFORDABLE SMALL DOLLAR CONSUMER LOANS AND CREDIT BUILDING PRODUCTS TO LOW AND MODERATE INCOME INDIVIDUALS.

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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 $327,255

Program Service Revenue $158,046

Investment Income $60,984

Other Revenue $0

TOTAL REVENUE $546,285

Expense Breakdown

Grants Paid $222,500

Salaries & Benefits $433,618

Fundraising Expenses $0

Program Expenses $768,547

Other Expenses $276,216

TOTAL EXPENSES $932,334

Year-over-Year Comparison

	2024	2023	Change
Revenue	$546,285	$1,327,110	-0.6%
Expenses	$932,334	$832,128	+0.1%
Net Income	$-386,049	$494,982	-1.8%

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

$404,646

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACK BRUMMEL	CHAIR	2.00	Officer Director	$0	$0	$0
DWAYNE KEYS	VICE CHAIR	2.00	Officer Director	$0	$0	$0
KEVIN FRYATT	TREASURER	2.00	Officer Director	$0	$0	$0
JEANNE HOGARTH	SECRETARY -	2.00	Officer Director	$0	$0	$0
DONOVAN DUNCAN	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW POSNER	DIRECTOR	2.00	Director	$0	$0	$0
YANKI TSHERING	DIRECTOR	2.00	Director	$0	$0	$0
MORGAN SPEARS	DIRECTOR	2.00	Director	$0	$0	$0
VALECIA QUINN	DIRECTOR	2.00	Director	$0	$0	$0
CINDY LOGSDON	DIRECTOR	2.00	Director	$0	$0	$0
SHAWNA COLLIER	DIRECTOR - O	2.00	Director	$0	$0	$0
GIOVANNA PIOVANETTI	DIRECTOR	2.00	Director	$0	$0	$0
HOLLY FRINDELL	DIRECTOR	2.00	Director	$0	$0	$0
ISIS SALMERON	DIRECTOR	2.00	Director	$0	$0	$0
PRISCILLA WOO	DIRECTOR - I	2.00	Director	$0	$0	$0
DARA DUGUAY	EXECUTIVE DI	12.00	Officer	$0	$22,043	$234,629
JULIA GAZIZOVA	CFO	12.00	Officer	$0	$11,331	$170,017

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	$546,285	$932,334	$5,278,976	$-386,049
2023	$1,327,110	$832,128	$5,941,701	$494,982
2022	$1,343,390	$946,605	$3,861,353	$396,785
2021	$2,669,814	$625,465	$3,373,113	$2,044,349
2020	$1,890,737	$960,654	$1,241,062	$930,083
2019	$209,599	$152,513	$259,728	$57,086

CBA FUND