NORTHEASTERN COLORADO REVOLVING LOAN FUND (EIN 841102481) - 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

1988

Legal Domicile

Principal Officer

STARLA ALLEN

Phone

9708483150

Tax Period

2025-01-01 to 2025-12-31

NORTHEASTERN COLORADO REVOLVING LOAN FUND, founded in 1988, is a small nonprofit that reported $306K in total revenue in fiscal year 2025. Revenue fell 28% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $136K, a strong 44% operating margin.

Mission

A REVOLVING LOAN FUND

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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 (2025)

Revenue Breakdown

Contributions & Grants $369

Program Service Revenue $268,960

Investment Income $36,843

Other Revenue $0

TOTAL REVENUE $306,172

Expense Breakdown

Grants Paid $0

Salaries & Benefits $172,849

Fundraising Expenses $0

Program Expenses $108,664

Other Expenses $-2,248

TOTAL EXPENSES $170,601

Year-over-Year Comparison

	2025	2024	Change
Revenue	$306,172	$423,563	-0.3%
Expenses	$170,601	$421,105	-0.6%
Net Income	$135,571	$2,458	+54.2%

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

N/A

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

$103,765

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHIP STEGER	MEMBER	1.00	Director	$0	$0	$0
DALLAS BOWIN	SECRETARY	5.00	Director	$0	$0	$0
JULES HOSCHOUER	MEMBER	1.00	Director	$0	$0	$0
KATHI GLANZ	MEMBER	1.00	Director	$0	$0	$0
LAURIE SMITH	MEMBER	1.00	Director	$0	$0	$0
LEO MAILANDER	MEMBER	1.00	Director	$0	$0	$0
MARCI WICKHAM	CHAIRMAN	5.00	Director	$0	$0	$0
JEFF MORFORD	MEMBER	1.00	Director	$0	$0	$0
ROB HARDING	MEMBER	1.00	Director	$0	$0	$0
SCOTT HEATH	TREASURER	5.00	Director	$0	$0	$0
TERRY HART	MEMBER	1.00	Director	$0	$0	$0
DOUG SHORT	MEMBER	1.00	Director	$0	$0	$0
STARLA ALLEN	CHEIF EXECUTIVE OFFICER	40.00	Officer	$103,765	$0	$103,765

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	$306,172	$170,601	$5,268,775	$135,571
2024	$423,563	$421,105	$5,133,204	$2,458
2023	$548,967	$219,052	$5,141,694	$329,915
2022	$269,216	$269,813	$4,811,779	$-597
2021	$231,119	$231,882	$4,810,515	$-763
2020	$302,490	$261,737	$4,810,735	$40,753

NORTHEASTERN COLORADO REVOLVING LOAN FUND