MINORITIES ALLIED LENDERS 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

2022

Legal Domicile

Principal Officer

BELKIS N SHINDELL

Phone

8432711683

Tax Period

2023-01-01 to 2023-12-31

MINORITIES ALLIED LENDERS INC, founded in 2022, is a micro nonprofit in the Community Improvement sector that reported $5K in total revenue in fiscal year 2023. Expenses of $6K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO EDUCATE AND ASSIST MINORITY INDIVIDUALS AND BUSINESS ENTITIES WITH FINANCIAL LOAN OPPORTUNITIES.

Program Service Accomplishments

Program 1

TO EDUCATE AND ASSIST MINORITY INDIVIDUALS AND BUSINESS ENTITIES WITH FINANCIAL LOAN OPPORTUNITIES.

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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 $5,225

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $5,225

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $6,140

TOTAL EXPENSES $6,140

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,225	N/A	N/A
Expenses	$6,140	$14,970	-0.6%
Net Income	$-915	$-14,970	-0.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EUSELANDIA ALCANTARA	DIRECTOR	N/A	Director	$0	$0	$0
LUCY NKWINIKA	DIRECTOR	N/A	Director	$0	$0	$0
MAYORIE PAREDES	DIRECTOR	N/A	Director	$0	$0	$0
MISAEL PORTILLO	DIRECTOR	N/A	Director	$0	$0	$0
ANA RAMIREZ	DIRECTOR	N/A	Director	$0	$0	$0
PEDRO A RODRIGUEZ	DIRECTOR	N/A	Director	$0	$0	$0
MICHELLE SALAZAR	DIRECTOR	N/A	Director	$0	$0	$0
JOSEFINA GOMEZ	VICE-PRES &	N/A	Officer	$0	$0	$0
BELKIS N SHINDELL	CEO	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
2023	$5,225	$6,140	No data	$-915
2022	No data	No data	No data	No data