UNITED STUDENT AID FUNDS INC (EIN 946050341) - 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

1960

Legal Domicile

Principal Officer

Richard George

Phone

6087332500

Tax Period

2018-01-01 to 2018-12-31

UNITED STUDENT AID FUNDS INC, founded in 1960, is a major nonprofit that reported $330.1M in total revenue in fiscal year 2018. Revenue decreased 17% compared to the prior year. The organization ran a surplus of $131.8M, a strong 40% operating margin.

Mission

TO ENHANCE POST-SECONDARY EDUCATION PREPAREDNESS, ACCESS AND SUCCESS BY PROVIDING AND SUPPORTING FINANCIAL AND OTHER VALUED 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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $327,550,446

Investment Income $2,359,600

Other Revenue $205,661

TOTAL REVENUE $330,115,707

Expense Breakdown

Grants Paid $81,213,210

Salaries & Benefits $31,395

Fundraising Expenses $0

Program Expenses $187,571,861

Other Expenses $117,059,958

TOTAL EXPENSES $198,304,563

Year-over-Year Comparison

	2018	2017	Change
Revenue	$330,115,707	$395,476,986	-0.2%
Expenses	$198,304,563	$355,825,253	-0.4%
Net Income	$131,811,144	$39,651,733	+2.3%

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

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

$2,124,187

Total Directors

$974,080

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary Burke 1	Director	1.0	Director	$3,550	$0	$17,750
Thomas Scarlett 1	Director	1.0	Director	$4,875	$0	$9,750
Emerson Brumback 1	Director	1.0	Director	$5,917	$0	$17,750
David J Hanson 1	Director/Secretary	1.0	Director	$0	$0	$0
Cynthia Walsh 1	Director	1.0	Director	$10,875	$0	$21,750
Richard Weiss 1	Director	1.0	Director	$3,550	$0	$17,750
Richard D George 23	Chair/Pres/CEO/Treas	1.0	Officer Director	$0	$43,243	$889,330
Rebecca Rapp 3	Gen Cnsl & Asst Secretary	1.0	Officer	$0	$36,782	$299,535
Jeffery Crosby 3	Chief Operating Officer	1.0	Officer	$0	$0	$0
Jacqueline Fairbairn 3	VP - Policy / Regl Compliance	1.0	Officer	$0	$53,719	$323,508
Amy Kobishop 3	VP - Community Investments	1.0	Officer	$0	$29,286	$298,762
Beth Erickson 3	VP - Repayment Solutions	2.0	Officer	$0	$37,688	$313,052

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
2018	$330,115,707	$198,304,563	No data	$131,811,144

UNITED STUDENT AID FUNDS INC