CFSC INC (EIN 942785529) - 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

1981

Legal Domicile

Principal Officer

Stephen M La Berge

Phone

8314200120

Tax Period

2024-07-01 to 2025-06-30

CFSC INC, founded in 1981, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum.

Mission

The purchase and operation of real property leased to Encompass Community Services, a 501(c)(3) corporation, and to clients served by Encompass Community Services.

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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 $471,983

Program Service Revenue $1,119,894

Investment Income $61,312

Other Revenue $0

TOTAL REVENUE $1,653,189

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,556,385

Other Expenses $1,724,607

TOTAL EXPENSES $1,724,607

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,653,189	$1,218,809	+0.4%
Expenses	$1,724,607	$1,587,695	+0.1%
Net Income	$-71,418	$-368,886	-0.8%

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

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
Monica Martinez	Director	1.00		$0	$10,806	$193,245
Stephen M La Berge	Chair	2.00	Officer Director	$0	$0	$0
Rama Khalsa	Director	2.00	Director	$0	$0	$0
Paul O'Brien	Secretary/Treas	2.00	Officer Director	$0	$0	$0
Kelley Smith	Director	2.00	Director	$0	$0	$0
Sandy Kaplan	Vice Chair	2.00	Officer Director	$0	$0	$0
Shellee Stopera	Director	1.00	Director	$0	$0	$0
David Terrazas	Director	2.00		$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	$1,653,189	$1,724,607	$9,677,389	$-71,418
2024	$1,218,809	$1,587,695	$8,854,180	$-368,886
2023	$1,241,674	$2,008,802	$9,282,427	$-767,128
2022	$1,056,040	$1,102,499	$9,901,877	$-46,459
2021	$1,007,611	$1,027,645	$9,795,639	$-20,034
2020	$979,373	$896,528	$8,899,487	$82,845
2019	$1,621,521	$2,061,947	$8,808,786	$-440,426
2018	$1,212,175	$1,182,109	$9,226,512	$30,066

CFSC INC