WISCONSIN COALITION ON STUDENT DEBT INC (EIN 830893672) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2018

Legal Domicile

Principal Officer

Lara Sutherlin

Phone

6089609681

Tax Period

2023-01-01 to 2023-12-31

WISCONSIN COALITION ON STUDENT DEBT INC, founded in 2018, is a small nonprofit in the Education sector that reported $220K in total revenue in fiscal year 2023. Revenue surged 41% from the prior year, signaling strong growth momentum. The organization ran a surplus of $37K, a strong 17% operating margin.

Mission

Our mission is to positively impact the student debt landscape in Wisconsin by helping to facilitate a positive, borrower-centered higher education financing experience that will benefit everyone, especially those who are traditionally underserved by the existing financing system.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $220,271

Program Service Revenue $0

Investment Income $51

Other Revenue $0

TOTAL REVENUE $220,322

Expense Breakdown

Grants Paid $170,207

Salaries & Benefits $583

Fundraising Expenses $0

Program Expenses $183,621

Other Expenses $12,831

TOTAL EXPENSES $183,621

Year-over-Year Comparison

	2023	2022	Change
Revenue	$220,322	$156,022	+0.4%
Expenses	$183,621	$157,498	+0.2%
Net Income	$36,701	$-1,476	-25.9%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Hallie Lienhardt	Board Director	4	Director	$0	$0	$0
Benjamin Lee	Board Director	4	Director	$0	$0	$0
Michelle Reinen	Board Director	4	Director	$0	$0	$0
Lara Sutherlin	Board Chair	4	Officer	$0	$0	$0
John Wedge	Board Vice-Chair	4	Officer	$0	$0	$0
Cheryl Rapp	Board Treasurer	4	Officer	$0	$0	$0
Carole Trone	Board Secretary	5.00		$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
2023	$220,322	$183,621	$39,052	$36,701

WISCONSIN COALITION ON STUDENT DEBT INC