SURE CDFI (EIN 853193705) - 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

2020

Legal Domicile

Principal Officer

Elwyn C Lee Director

Phone

6303626393

Tax Period

2025-01-01 to 2025-12-31

SURE CDFI, founded in 2020, is a small nonprofit in the Community Improvement sector that reported $131K in total revenue in fiscal year 2025. The organization ran a surplus of $38K, a strong 29% operating margin.

Mission

To promote economic empowerment by offering innovative education, access to credit, and other support services to members of the community including small enterprises that do not have access to capital.

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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 $131,000

Program Service Revenue $276

Investment Income $0

Other Revenue $0

TOTAL REVENUE $131,276

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,000

Fundraising Expenses $0

Program Expenses $92,406

Other Expenses $6,734

TOTAL EXPENSES $93,734

Year-over-Year Comparison

	2025	2024	Change
Revenue	$131,276	N/A	N/A
Expenses	$93,734	N/A	N/A
Net Income	$37,542	N/A	N/A

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

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
Elwyn C Lee	President	5.00	Officer Director	$0	$0	$0
Rajmohan K Mashruwala	Secretary	5.00	Officer Director	$0	$0	$0
Syed Biabani	Treasurer	5.00	Officer Director	$0	$0	$0
Kathryn Rogers	Board Member	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
2025	$131,276	$93,734	$251,994	$37,542
2024	$125,665	$89,261	$338,362	$36,404
2023	$10,000	$9,042	$116,958	$958

SURE CDFI