CMC LEVERAGE LENDER INC

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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

JULIE RULYAK STEINBERG

Phone

4156476015

Tax Period

2023-07-01 to 2024-06-30

CMC LEVERAGE LENDER INC, founded in 2020, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $86K in total revenue in fiscal year 2023. Expenses of $258K exceeded revenue, resulting in a 201% operating deficit.

Mission

SUPPORT THE SERVICES AND PROGRAMS OF THE COMMUNITY MUSIC CENTER, INCLUDING MUSIC TUITION AND PERFORMANCE.

Program Service Accomplishments

Program 1

Expenses: $257,910 Revenue: $85,738

SUPPORTING COMMUNITY MUSIC CENTER'S OPERATIONS AND FUTURE DEVELOPMENT OF ITS MULTI-PURPOSE COMMUNITY FACILITY, CONSISTING OF A BUILDING THAT WILL PROVIDE MORE SPACE FOR TUITION-FREE LESSONS AND...

SUPPORTING COMMUNITY MUSIC CENTER'S OPERATIONS AND FUTURE DEVELOPMENT OF ITS MULTI-PURPOSE COMMUNITY FACILITY, CONSISTING OF A BUILDING THAT WILL PROVIDE MORE SPACE FOR TUITION-FREE LESSONS AND CLASSES, IMPROVED SPACE WITH SEISMIC AND TECHNOLOGICAL UPGRADES, AND ACCESSIBLE SPACE TO BETTER SERVE COMMUNITIES OF ALL PHYSICAL ABILITIES, LOCATED AT 552 CAPP STREET, SAN FRANCISCO.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $85,738

Investment Income $0

Other Revenue $0

TOTAL REVENUE $85,738

Expense Breakdown

Grants Paid $257,214

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $257,910

Other Expenses $696

TOTAL EXPENSES $257,910

Year-over-Year Comparison

	2023	2022	Change
Revenue	$85,738	$85,738	N/A
Expenses	$257,910	$122	+2113.0%
Net Income	$-172,172	$85,616	-3.0%

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

$173,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARBARA KOSNAR	CHAIR OF THE BOARD	1.00	Officer Director	$0	$0	$0
PAUL SUSSMAN	TREASURER	1.00	Officer Director	$0	$0	$0
THOMAS GOLDMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN SHAPIRO	SECRETARY	1.00	Officer Director	$0	$0	$0
JAMES ABRAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
JULIE RULYAK STEINBERG	EXECUTIVE DIRECTOR	1.00	Officer	$0	$12,248	$173,000

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	No data	No data	No data	No data
2024	$85,738	$257,910	$9,452,195	$-172,172
2023	$85,738	$122	$9,367,153	$85,616
2022	$85,739	$594	$9,281,537	$85,145
2021	$9,196,549	$157	$9,196,392	$9,196,392