TRANSFORM CAPITAL (EIN 853613051) - 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

MARK CHASSMAN

Phone

3123078774

Tax Period

2024-01-01 to 2024-12-31

TRANSFORM CAPITAL, founded in 2020, is a community nonprofit in the Community Improvement sector that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 272% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.5M, a strong 97% operating margin.

Mission

TRANSFORM CAPITAL IS A LENDING PLATFORM WHICH RAISES TAX-DEDUCTIBLE FUNDING AND PLACES THAT FUNDING INTO MARKET-RATE OR BELOW MARKET-RATE MORTGAGE AND BUSINESS LOANS FOR DESERVING FAMILIES IN DIS-INVESTED LOCAL COMMUNITIES.

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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 $1,445,371

Program Service Revenue $65,331

Investment Income $7,584

Other Revenue $1,676

TOTAL REVENUE $1,519,962

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $713

Program Expenses $29,994

Other Expenses $39,104

TOTAL EXPENSES $39,104

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,519,962	$409,135	+2.7%
Expenses	$39,104	$29,541	+0.3%
Net Income	$1,480,858	$379,594	+2.9%

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
MARK CHASSMAN	CHAIR	5.00	Officer Director	$0	$0	$0
FREDERICK TOLBERT	VICE CHAIR	5.00	Officer Director	$0	$0	$0
STEPHEN KAWASAKI	SECRETARY	5.00	Officer Director	$0	$0	$0
ANDREA MCCRORY	CONTRACTED COMMUNITY LIAISON	5.00	Director	$0	$0	$0
PAUL HAWKINSON	TREASURER	5.00	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
2024	$1,519,962	$39,104	$3,077,322	$1,480,858
2023	$409,135	$29,541	$1,566,857	$379,594
2022	$326,845	$18,192	$930,555	$308,653
2021	$397,747	$13,211	$507,805	$384,536

TRANSFORM CAPITAL