Coos Bay Student Loan Fund

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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

1950

Legal Domicile

Principal Officer

Sue Walberg

Phone

5418884190

Tax Period

2025-01-01 to 2025-12-31

Coos Bay Student Loan Fund, founded in 1950, is a micro nonprofit that reported $22K in total revenue in fiscal year 2025. Revenue surged 28% from the prior year, signaling strong growth momentum. The organization ran a surplus of $15K, a strong 68% operating margin.

Mission

TO PROVIDE LOW INTEREST LOANS FOR HIGHER EDUCATION TO HIGH SCHOOL GRADUATES. DURING 2025 APPROXIMATELY 20 STUDENTS HAD LOANS OUTSTANDING.

Program Service Accomplishments

Program 1

Expenses: $5,142

TO PROVIDE LOW INTEREST LOANS FOR HIGHER EDUCATION TO HIGH SCHOOL GRADUATES. DURING 2025 APPROXIMATELY 20 STUDENTS HAD LOANS OUTSTANDING.

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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 $7,374

Investment Income $14,743

Other Revenue $0

TOTAL REVENUE $22,117

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,142

Other Expenses $7,067

TOTAL EXPENSES $7,067

Year-over-Year Comparison

	2025	2024	Change
Revenue	$22,117	$17,334	+0.3%
Expenses	$7,067	$7,305	0.0%
Net Income	$15,050	$10,029	+0.5%

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
Sue Walberg	President	1.00	Officer Director	$0	$0	$0
Diane Johnson	Representative	0.25	Director	$0	$0	$0
Pat Terry	Community	0.25	Director	$0	$0	$0
Eli Ashton	MHS Principal	0.25	Director	$0	$0	$0
Debbie Slyter	Community	0.25	Director	$0	$0	$0
Debi Springsteen	Secretary	0.25	Officer Director	$0	$0	$0
Gary Roberts	Superintendent	0.25	Director	$0	$0	$0
Jay Farr	Vice President	0.25	Officer Director	$0	$0	$0
Ed Blower	Treasurer	0.25	Officer 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	$22,117	$7,067	$656,144	$15,050
2024	$17,334	$7,305	$641,224	$10,029
2023	$19,024	$7,243	$631,288	$11,781
2022	$9,452	$7,295	$619,030	$2,157
2021	$10,722	$5,890	$616,873	$4,832
2020	$13,929	$7,797	$612,041	$6,132
2019	$12,863	$5,263	$605,909	$7,600
2018	$13,374	$5,796	$598,309	$7,578