CHALKBOARD FINANCIAL (EIN 831817189) - 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

2019

Legal Domicile

Principal Officer

ELISABETH V ARAGON

Phone

7178334805

Tax Period

2022-01-01 to 2022-12-31

CHALKBOARD FINANCIAL, founded in 2019, is a micro nonprofit in the Education sector that reported $26K in total revenue in fiscal year 2022. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $43K exceeded revenue, resulting in a 64% operating deficit.

Mission

EQUIP STUDENTS WITH PERSONAL FINANCIAL EDUCATION AND CAREER GUIDANCE

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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 (2022)

Revenue Breakdown

Contributions & Grants $26,367

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $26,367

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,900

Fundraising Expenses $968

Program Expenses $33,559

Other Expenses $13,442

TOTAL EXPENSES $43,342

Year-over-Year Comparison

	2022	2021	Change
Revenue	$26,367	$23,701	+0.1%
Expenses	$43,342	$11,119	+2.9%
Net Income	$-16,975	$12,582	-2.3%

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

$19,000

Total Directors

$19,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELISABETH V ARAGON	PRESIDENT	10.00	Officer Director	$19,000	$0	$19,000
BETH FAEHLING	VICE PRESIDE	10.00	Officer Director	$0	$0	$0
KEVIN WILLIAMS	TREASURER	10.00	Officer 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
2022	$26,367	$43,342	$6,607	$-16,975
2021	$23,701	$11,119	$22,366	$12,582

CHALKBOARD FINANCIAL