EL CENTRO INC (EIN 824898926) - 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

Lindsey Navarro

Phone

5045031040

Tax Period

2023-01-01 to 2023-12-31

EL CENTRO INC, founded in 2018, is a small nonprofit in the Community Improvement sector that reported $355K in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

To provide financial literacy and entrepreneurial training to people of color.

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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 $315,758

Program Service Revenue $26,350

Investment Income $0

Other Revenue $12,710

TOTAL REVENUE $354,818

Expense Breakdown

Grants Paid $0

Salaries & Benefits $200,526

Fundraising Expenses $0

Program Expenses $257,384

Other Expenses $155,081

TOTAL EXPENSES $355,607

Year-over-Year Comparison

	2023	2022	Change
Revenue	$354,818	$293,900	+0.2%
Expenses	$355,607	$225,582	+0.6%
Net Income	$-789	$68,318	-1.0%

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

Total Directors

Key Employees

$49,406

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lindsey Navarro	Executive Director	40	Key Emp Highest	$49,406	$0	$49,406
Marina Manzanares	President	2	Director	$0	$0	$0
Lilly Fincher	Treasurer	2	Director	$0	$0	$0
Marlene Donovan	Secretary	1	Director	$0	$0	$0
Rafael Rondon	Board Member	1	Director	$0	$0	$0
Tawanna Hardy	Board Member	1	Director	$0	$0	$0
Heather McArthur	Board Member	1	Director	$0	$0	$0
Paris Pallais	Board Member	2	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
2024	No data	No data	No data	No data
2023	$354,818	$355,607	$221,607	$-789
2022	$293,900	$225,582	$221,986	$68,318
2021	$183,407	$117,806	$149,448	$65,601

EL CENTRO INC