THE LOAN COACH INC (EIN 854262808) - 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

ELLEN COOPER

Phone

5208153902

Tax Period

2024-01-01 to 2024-12-31

THE LOAN COACH INC, founded in 2021, is a small nonprofit in the Human Services sector that reported $100K in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $79K, a strong 79% operating margin.

Mission

TO PROVIDE CREDIT AND FINANCIAL EDUCATION TO ASSIST PEOPLE IN THEIR GOALS TO ACHIEVE HOME OWNERSHIP.

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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 $0

Program Service Revenue $100,045

Investment Income $0

Other Revenue $0

TOTAL REVENUE $100,045

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60

Fundraising Expenses $0

Program Expenses $21,199

Other Expenses $21,139

TOTAL EXPENSES $21,199

Year-over-Year Comparison

	2024	2023	Change
Revenue	$100,045	$225,443	-0.6%
Expenses	$21,199	$251,004	-0.9%
Net Income	$78,846	$-25,561	-4.1%

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

N/A

Independent Members

N/A

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
ELLEN COOPER	DIRECTOR	40.00	Officer Key Emp	$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	$100,045	$21,199	$585	$78,846
2023	$225,443	$251,004	$5,111	$-25,561
2022	$393,938	$573,495	$13,330	$-179,557
2021	$470,757	$528,630	$61,106	$-57,873

THE LOAN COACH INC