APPALACHIAN ASSISTIVE TECHNOLOGY LOAN FUND INC (EIN 861763469) - 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

MITCH BILKER

Phone

4846740506

Tax Period

2023-07-01 to 2024-06-30

APPALACHIAN ASSISTIVE TECHNOLOGY LOAN FUND INC, founded in 2021, is a small nonprofit in the Human Services sector that reported $528K in total revenue in fiscal year 2023. Revenue surged 391% from the prior year, signaling strong growth momentum. The organization ran a surplus of $309K, a strong 59% operating margin.

Mission

TO PROVIDE FINANCING OPPORTUNITIES TO INDIVIDUALS WITH DISABILITIES

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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 $427,268

Program Service Revenue $0

Investment Income $100,434

Other Revenue $0

TOTAL REVENUE $527,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $106,851

Fundraising Expenses $5,143

Program Expenses $199,287

Other Expenses $111,881

TOTAL EXPENSES $218,732

Year-over-Year Comparison

	2023	2022	Change
Revenue	$527,702	$107,439	+3.9%
Expenses	$218,732	$146,154	+0.5%
Net Income	$308,970	$-38,715	-9.0%

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

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

$254,994

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFREY COOPER	PRESIDENT	2.00	Officer Director	$0	$0	$0
NANCY MURRAY	CO-VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
SUSAN TACHAU	CO-VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
EVAN DAVIS	SECRETARY THRU FEB; INTERIM CO-CEO PATF/AATLF	2.00	Officer Director	$0	$0	$0
MITCH BILKER	TREASURER	2.00	Officer Director	$0	$0	$0
CARLA MANNINGS	DIRECTOR; SECRETARY AS OF FEB	2.00	Officer Director	$0	$0	$0
SYBILLE DAMAS	DIRECTOR	1.00	Director	$0	$0	$0
RYAN CREECH	DIRECTOR AS OF DECEMBER	1.00	Director	$0	$0	$0
KENNY JONES	DIRECTOR AS OF DECEMBER	1.00	Director	$0	$0	$0
BEN LAUDERMILCH	CEO-PATF & E.D. AATLF THRU JAN	5.00	Officer	$0	$16,811	$254,994

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	$527,702	$218,732	$3,155,395	$308,970
2023	$107,439	$146,154	$2,933,750	$-38,715
2022	$121,294	$83,469	$1,654,838	$37,825
2021	No data	$20,677	$1,847,604	No data

APPALACHIAN ASSISTIVE TECHNOLOGY LOAN FUND INC