AMERICANS FOR LENDING EQUITY (EIN 871030850) - 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

ROBERT GREGG KELLER

Phone

3148636112

Tax Period

2025-01-01 to 2025-12-31

AMERICANS FOR LENDING EQUITY, founded in 2021, is a small nonprofit that reported $410K in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $70K, a strong 17% operating margin.

Mission

TO FURTHER THE COMMON GOOD AND GENERAL WELFARE OF THE CITIZENS OF THE UNITED STATES OF AMERICA, AND WILL BE OPERATED PRIMARILY FOR THE PURPOSE OF BRINGING ABOUT CIVIC BETTERMENTS AND SOCIAL IMPROVEMENTS, INCLUDING BY EDUCATING THE PUBLIC ON THE IMPORTANCE OF MAINTAINING EQUITY IN THE BANKING AND LENDING INDUSTRIES.

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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 $410,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $410,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $339,095

Other Expenses $339,575

TOTAL EXPENSES $339,575

Year-over-Year Comparison

	2025	2024	Change
Revenue	$410,000	$333,000	+0.2%
Expenses	$339,575	$405,418	-0.2%
Net Income	$70,425	$-72,418	-2.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL HAFNER	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT GREGG KELLER	DIRECTOR	5.00	Director	$0	$0	$0
LIZ MAIR	DIRECTOR	5.00	Director	$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	$410,000	$339,575	$85,566	$70,425
2024	No data	No data	No data	No data
2023	$398,500	$419,955	$87,559	$-21,455
2022	$300,000	$221,068	$109,014	$78,932

AMERICANS FOR LENDING EQUITY