Thrive Community Lending Inc (EIN 933283822) - 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

2023

Legal Domicile

Phone

4706431946

Tax Period

2024-10-01 to 2025-09-30

Thrive Community Lending Inc, founded in 2023, is a small nonprofit in the Human Services sector that reported $264K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $122K, a strong 46% operating margin.

Mission

THRIVE EXISTS TO PROVIDE ACCESS TO CAPITAL TO low-income people AND EMPOWER THEM TO ACHIEVE ECONOMIC SELF-SUFFICIENCY BY PROVIDING ASSISTANCE WITH DEVELOPMENT OR EXPANSION OF THEIR OWN BUSINESSES.

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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 $256,383

Program Service Revenue $0

Investment Income $7,750

Other Revenue $0

TOTAL REVENUE $264,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $108,379

Fundraising Expenses $8,577

Program Expenses $124,258

Other Expenses $33,865

TOTAL EXPENSES $142,244

Year-over-Year Comparison

	2024	2023	Change
Revenue	$264,133	$316,194	-0.2%
Expenses	$142,244	$258,496	-0.4%
Net Income	$121,889	$57,698	+1.1%

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

Independent Members

Employees

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

$104,511

Total Directors

$465,828

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AIMEE ZANGANDOU	VICE CHAIR	5.0	Director	$0	$14,561	$160,168
CINDY HOLLER	CHAIR	5.0	Director	$0	$0	$0
ED RINGER	Director, FINANCE COMMITTEE CHAIR	5.0	Director	$0	$0	$0
JOHN MOELLER	Member, Inspiritus Inc	5.0	Director	$0	$37,568	$305,660
PHILLIP BAILEY	Director, LOAN COMMITTEE CHAIR	5.0	Director	$0	$0	$0
JOHN ARNOLD	EXECUTIVE DIRECTOR	40.0	Officer	$90,233	$14,278	$104,511
KIRBY NICKERSON	CFO	1.0	Officer	$0	$0	$0
PAM HIGGINS	SECRETARY	1.0	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
2025	$264,133	$142,244	$431,541	$121,889

Thrive Community Lending Inc