INDUSTRIAL REVOLVING FUND OF SJ CO CA dba REVOLVING LOAN FUND OF SJ COUNTY (EIN 942452387) - 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

1977

Legal Domicile

Principal Officer

BONNIE VISTICA

Phone

2094683615

Tax Period

2023-10-01 to 2024-09-30

INDUSTRIAL REVOLVING FUND OF SJ CO CA dba REVOLVING LOAN FUND OF SJ COUNTY, founded in 1977, is a small nonprofit that reported $537K in total revenue in fiscal year 2023. Expenses of $472K left a modest 12% surplus.

Mission

SMALL BUSINESS ASSISTANCE.

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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 $0

Program Service Revenue $364,036

Investment Income $109,978

Other Revenue $63,272

TOTAL REVENUE $537,286

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,478

Fundraising Expenses $0

Program Expenses $453,713

Other Expenses $462,715

TOTAL EXPENSES $472,193

Year-over-Year Comparison

	2023	2022	Change
Revenue	$537,286	$535,760	+0.0%
Expenses	$472,193	$348,921	+0.4%
Net Income	$65,093	$186,839	-0.7%

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
BANK OF STOCKTON	Trustee	0.00		$9,478	$0	$9,478
BONNIE VISTICA	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
MAYRA S CUEVAS	VICE CHAIRPERSO	1.00	Officer Director	$0	$0	$0
KAREN R SMITH	Director	1.00	Director	$0	$0	$0
SHAYNE BROWN	Director	1.00	Director	$0	$0	$0
LUIS SANCHEZ	Director	1.00	Director	$0	$0	$0
AHTHONY GRIGSBY	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	No data	No data	No data	No data
2024	$537,286	$472,193	$10,886,772	$65,093
2023	$535,760	$348,921	$10,821,678	$186,839
2022	$5,496,431	$1,388,572	$10,634,839	$4,107,859
2021	$98,803	$191,372	$6,526,980	$-92,569
2020	$287,985	$423,117	$6,619,549	$-135,132
2019	$228,252	$332,353	$6,754,681	$-104,101
2018	$261,393	$272,590	$6,858,782	$-11,197

INDUSTRIAL REVOLVING FUND OF SJ CO CA dba REVOLVING LOAN FUND OF SJ COUNTY