Financial Education Services Inc

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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

Legal Domicile

Principal Officer

Ed Koziol

Phone

8883859209

Tax Period

2023-01-01 to 2023-12-31

Financial Education Services Inc is a small nonprofit in the Human Services sector that reported $161K in total revenue in fiscal year 2023. Revenue surged 192% from the prior year, signaling strong growth momentum.

Mission

PROVIDE FINANCIAL LITERACY PROGRAM TO INDIVIDUALS AND THEIR FAMILIES THAT ARE SUFFERING FROM FINANCIAL DISTRESS

Program Service Accomplishments

Program 1

Expenses: $167,482 Revenue: $160,698

OUR CREDIT COUNSELING COURSE PROVIDES FINANCIAL EDUCATION WITH A FOCUS ON THE CLIENTS INCOME AND EXPENSES TO DEVELOP A WORKING BUDGET FOR THEIR HOUSEHOLD. OUR DEBTOR EDUCATION COURSE PROVIDES...

OUR CREDIT COUNSELING COURSE PROVIDES FINANCIAL EDUCATION WITH A FOCUS ON THE CLIENTS INCOME AND EXPENSES TO DEVELOP A WORKING BUDGET FOR THEIR HOUSEHOLD. OUR DEBTOR EDUCATION COURSE PROVIDES FINANCIAL EDUCATION WITH A FOCUS O MONEY MANAGEMENT AND WISE USE OF CREDIT.

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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 $0

Program Service Revenue $160,698

Investment Income $0

Other Revenue $0

TOTAL REVENUE $160,698

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $167,482

Other Expenses $167,482

TOTAL EXPENSES $167,482

Year-over-Year Comparison

	2023	2022	Change
Revenue	$160,698	$55,035	+1.9%
Expenses	$167,482	$162,200	+0.0%
Net Income	$-6,784	$-107,165	-0.9%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ed Koziol	President	80.00	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
2024	No data	No data	No data	No data
2023	$160,698	$167,482	$11,438	$-6,784
2023	$160,698	$167,482	$11,438	$-6,784
2022	$55,035	$162,200	$61,976	$-107,165
2022	$81,522	$162,200	$61,976	$-80,678
2021	$79,864	No data	$54,019	No data
2020	No data	No data	$104,560	No data