SWIFT US NATIONAL GROUP (EIN 900897610) - 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

2012

Legal Domicile

Principal Officer

RAGHU SRINIVASAN

Phone

2125520945

Tax Period

2025-01-01 to 2025-12-31

SWIFT US NATIONAL GROUP, founded in 2012, is a micro nonprofit in the Community Improvement sector that reported $17K in total revenue in fiscal year 2025. Revenue fell 89% from the prior year — a significant decline worth monitoring. Expenses of $88K exceeded revenue, resulting in a 412% operating deficit.

Mission

SOCIETY FOR WORLDWIDE INTERBANK FINANCIAL TELECOMMUNICATION (SWIFT) PROVIDES A NETWORK THAT ENABLES FINANCIAL INSTITUTIONS TO SEND AND RECEIVE INFORMATION ABOUT FINANCIAL TRANSACTIONS IN A SECURE, STANDARDIZED AND RELIABLE ENVIRONMENT.

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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 $0

Program Service Revenue $0

Investment Income $17,184

Other Revenue $0

TOTAL REVENUE $17,184

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,200

Fundraising Expenses $0

Program Expenses $48,165

Other Expenses $25,836

TOTAL EXPENSES $88,036

Year-over-Year Comparison

	2025	2024	Change
Revenue	$17,184	$162,792	-0.9%
Expenses	$88,036	$92,457	0.0%
Net Income	$-70,852	$70,335	-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

$62,200

Total Directors

$62,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAGHU SRINIVASAN	CHAIR	1.00	Officer Director	$0	$0	$0
STEPHANIE WATSON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROY DECICCO USER GROUP CHAIR	TREASURER	3.00	Officer Director	$62,200	$0	$62,200
TED ROTHSCHILD	SECRETARY	1.00	Officer Director	$0	$0	$0
DEBO SEN	DIRECTOR	1.00	Director	$0	$0	$0
GAYATHRI VASUDEV	DIRECTOR	1.00	Director	$0	$0	$0
ALLISON SHONERD	DIRECTOR	1.00	Director	$0	$0	$0
ISABEL SCHMIDT	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE DAWSON	DIRECTOR	1.00	Director	$0	$0	$0
MIKE SKLOW	DIRECTOR	1.00	Director	$0	$0	$0
SARA KRANTZ	DIRECTOR	1.00	Director	$0	$0	$0
LISA ROSSI	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BLAIR	DIRECTOR	1.00	Director	$0	$0	$0
GREG MURRAY	DIRECTOR	1.00	Director	$0	$0	$0
GRAEME MUNRO	DIRECTOR	1.00	Director	$0	$0	$0
ARTHUR AMBROSE	DIRECTOR	1.00	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	$17,184	$88,036	$679,016	$-70,852
2024	$162,792	$92,457	$749,868	$70,335
2023	$146,683	$182,233	$679,533	$-35,550
2022	$158,348	$132,048	$715,083	$26,300
2021	$150,736	$134,349	$688,783	$16,387
2020	$156,575	$138,128	$672,396	$18,447
2019	$171,583	$200,708	$653,949	$-29,125
2018	$177,977	$189,517	$683,074	$-11,540

SWIFT US NATIONAL GROUP