SMALL BUSINESS INVESTMENT CORPORATION (EIN 850482958) - 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

2000

Legal Domicile

Principal Officer

JOSHUA SMITH

Phone

5052747789

Tax Period

2024-07-01 to 2025-06-30

SMALL BUSINESS INVESTMENT CORPORATION, founded in 2000, is a mid-sized nonprofit in the Community Improvement sector that reported $28.8M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $28.3M, a strong 98% operating margin.

Mission

TO MAKE DEBT OR EQUITY INVESTMENTS TO SUPPORT NEW OR EXPANDING BUSINESSES IN THE STATE OF NEW MEXICO

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $26,685,175

Investment Income $2,100,184

Other Revenue $0

TOTAL REVENUE $28,785,359

Expense Breakdown

Grants Paid $0

Salaries & Benefits $262,373

Fundraising Expenses $0

Program Expenses $231,525

Other Expenses $209,751

TOTAL EXPENSES $472,124

Year-over-Year Comparison

	2024	2023	Change
Revenue	$28,785,359	$30,977,738	-0.1%
Expenses	$472,124	$482,662	0.0%
Net Income	$28,313,235	$30,495,076	-0.1%

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

$246,348

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAYURI YAMADA	DIRECTOR	3.00	Director	$0	$0	$0
JOSHUA GRASSHAM	DIRECTOR	3.00	Director	$0	$0	$0
KRISTINA ALLEY	DIRECTOR	3.00	Director	$0	$0	$0
LAURA MONTOYA	DIRECTOR	3.00	Director	$0	$0	$0
ROBERT VALDIVIEZ	SECRETARY/TR	4.00	Officer Director	$0	$0	$0
ANNE BECKETT	VICE CHAIR	4.00	Officer Director	$0	$0	$0
JOSHUA SMITH	CHAIR	8.00	Officer Director	$0	$0	$0
N/A	EXEC DIR/INV	40.00	Officer	$246,348	$0	$246,348

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	$28,785,359	$472,124	$190,068,247	$28,313,235
2024	$30,977,738	$482,662	$156,937,680	$30,495,076
2023	$8,947,897	$424,082	$123,837,033	$8,523,815
2022	$18,780,522	$423,966	$120,253,275	$18,356,556
2021	$911,357	$1,022,927	$97,449,979	$-111,570
2020	$59,149,516	$1,204,856	$98,226,470	$57,944,660
2019	$4,383,887	$413,051	$39,475,956	$3,970,836
2018	$1,965,642	$325,090	$40,541,388	$1,640,552

SMALL BUSINESS INVESTMENT CORPORATION