STUDENT INVESTMENT PHILANTHROPY ORGANIZATION INC (EIN 850784573) - 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

2021

Legal Domicile

Principal Officer

EDWARD H KOLB

Phone

3098255652

Tax Period

2024-01-01 to 2024-12-31

STUDENT INVESTMENT PHILANTHROPY ORGANIZATION INC, founded in 2021, is a micro nonprofit that reported $4K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $15K exceeded revenue, resulting in a 288% operating deficit.

Mission

THE ORGANIZATION RAISES DONATIONS FOR CHARITIES BY A STUDENT RAN INVESTMENT ACCOUNT.

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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 $385

Program Service Revenue $0

Investment Income $3,578

Other Revenue $0

TOTAL REVENUE $3,963

Expense Breakdown

Grants Paid $15,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $15,000

Other Expenses $385

TOTAL EXPENSES $15,385

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,963	$5,276	-0.2%
Expenses	$15,385	$9,365	+0.6%
Net Income	$-11,422	$-4,089	+1.8%

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
JACK E KOLB	VICE PRESIDENT	1.00	Director	$0	$0	$0
MATTHEW O KOLB	SECRETARY	1.00	Director	$0	$0	$0
EDWARD H KOLB	PRESIDENT	1.00	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
2024	$3,963	$15,385	$126,892	$-11,422
2023	$5,276	$9,365	$122,833	$-4,089
2022	$14,854	$5,001	$113,964	$9,853
2021	$104,998	No data	$104,998	No data

STUDENT INVESTMENT PHILANTHROPY ORGANIZATION INC