WESTERN STATES SCHOOL OF BANKING (EIN 850361090) - 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

1989

Legal Domicile

Principal Officer

FLORINE MORRISON

Phone

5053242085

Tax Period

2018-01-01 to 2018-12-31

WESTERN STATES SCHOOL OF BANKING, founded in 1989, is a micro nonprofit that reported $30K in total revenue in fiscal year 2018. Revenue fell 74% from the prior year — a significant decline worth monitoring. Expenses of $99K exceeded revenue, resulting in a 229% operating deficit.

Mission

PROVIDE INTERMEDIATE BANKING EDUCATION FOR CAREER OFFICERS AND SUPERVISORY EMPLOYEES OF COMMERCIAL BANKS AND EMPLOYEES OF STATE AND FEDERAL REGULATORY AGENCIES IN NEW MEXICO AND ADJOINING STATES AND TO CONDUT ACTIVITIES FOR SUCH OTHER PURPOSES WITHIN THE MEANING OF IT ARTICLES OF INCORPORATION.

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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 (2018)

Revenue Breakdown

Contributions & Grants $2,000

Program Service Revenue $28,010

Investment Income $0

Other Revenue $0

TOTAL REVENUE $30,010

Expense Breakdown

Grants Paid $8,369

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,019

Other Expenses $90,465

TOTAL EXPENSES $98,834

Year-over-Year Comparison

	2018	2017	Change
Revenue	$30,010	$116,810	-0.7%
Expenses	$98,834	$128,004	-0.2%
Net Income	$-68,824	$-11,194	+5.1%

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

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
FLOYD MORELOS	CHAIR	2.00	Officer Director	$0	$0	$0
BRET MOODY	VICE CHAIR	2.00	Officer Director	$0	$0	$0
FLORINE MORRISON	TREASURER	2.00	Officer Director	$0	$0	$0
JOHN ANDERSON	DIRECTOR	2.00	Director	$0	$0	$0
LORI BOWERS	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER CAREY	DIRECTOR	2.00	Director	$0	$0	$0
LANA COFFMAN	DIRECTOR	2.00	Director	$0	$0	$0
BRANDY DARDEN	DIRECTOR	2.00	Director	$0	$0	$0
JEFF HIGGINS	DIRECTOR	2.00	Director	$0	$0	$0
ROB HOLT	DIRECTOR	2.00	Director	$0	$0	$0
HENRY JARAMILLO	DIRECTOR	2.00	Director	$0	$0	$0
MIKE MORRISON	DIRECTOR	2.00	Director	$0	$0	$0
ED ROBERTSON	DIRECTOR	2.00	Director	$0	$0	$0
DON SIMONSON	DIRECTOR	2.00	Director	$0	$0	$0
SONYA STRUCK	DIRECTOR	2.00	Director	$0	$0	$0
ANGIE TORRES	DIRECTOR	2.00	Director	$0	$0	$0
JERRY WALKER	DIRECTOR	2.00	Director	$0	$0	$0
RON WISER	DIRECTOR	2.00	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
2018	$30,010	$98,834	No data	$-68,824

WESTERN STATES SCHOOL OF BANKING