SMALL BUSINESS EMPOWERMENT FUND CDFI (EIN 853225961) - 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

Kevin Wilson

Phone

3142411697

Tax Period

2025-01-01 to 2025-12-31

SMALL BUSINESS EMPOWERMENT FUND CDFI, founded in 2020, is a community nonprofit in the Community Improvement sector that reported $1.3M in total revenue in fiscal year 2025. Revenue surged 160% from the prior year, signaling strong growth momentum. The organization ran a surplus of $519K, a strong 40% operating margin.

Mission

A community development financial institution or community development finance institution - abbreviated in both cases to CDFI - is a financial institution that provides credit and financial services to underserved markets and populations, primarily in the St. Louis City and county.

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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 $1,282,000

Program Service Revenue $0

Investment Income $13,913

Other Revenue $3,922

TOTAL REVENUE $1,299,835

Expense Breakdown

Grants Paid $780,200

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $780,200

Other Expenses $590

TOTAL EXPENSES $780,790

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,299,835	$500,731	+1.6%
Expenses	$780,790	$53,298	+13.6%
Net Income	$519,045	$447,433	+0.2%

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
Denise Phillips	Board Member	1	Director	$0	$0	$0
Mitchell Washington	Board Member	1	Director	$0	$0	$0
Cheryl Walker	Board Member	1	Director	$0	$0	$0
John Henderson	Board Member	1	Director	$0	$0	$0
Dr Joe Frank	Board Member	1	Director	$0	$0	$0
Craig Higgins	Board Member	1	Director	$0	$0	$0
Lorraine McKinney	Board Member	1	Director	$0	$0	$0
Kevin Wilson	Program Director	2	Officer	$0	$0	$0
Alan Richter	Chairman	1	Officer	$0	$0	$0
Reginald Scott	Co Chair	1	Officer	$0	$0	$0
Michelle Stuckey	Treasurer	1	Officer	$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	$1,299,835	$780,790	$1,279,103	$519,045
2024	$500,731	$53,298	$760,058	$447,433
2023	$126,780	$510	$251,088	$126,270
2022	$125,285	$519	$128,586	$124,766

SMALL BUSINESS EMPOWERMENT FUND CDFI