CALIFORNIA FINANCIAL SERVICE PROVIDERS (EIN 956091653) - 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

1950

Legal Domicile

Principal Officer

DAN GWALTNEY

Phone

9169109769

Tax Period

2024-01-01 to 2024-12-31

CALIFORNIA FINANCIAL SERVICE PROVIDERS, founded in 1950, is a small nonprofit that reported $167K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year.

Mission

ASSOCIATION OF CHECK CASHERS

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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 $166,900

Program Service Revenue $0

Investment Income $1

Other Revenue $0

TOTAL REVENUE $166,901

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $166,879

Other Expenses $166,879

TOTAL EXPENSES $166,879

Year-over-Year Comparison

	2024	2023	Change
Revenue	$166,901	$193,062	-0.1%
Expenses	$166,879	$154,952	+0.1%
Net Income	$22	$38,110	-1.0%

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

N/A

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
JEFFREY D SILVERMAN	VICE PRESIDENT	5.00	Officer	$0	$0	$0
JULIE TOWNSEND	VICE PRESIDENT	5.00	Officer	$0	$0	$0
TERRANCE MURPHY	SECRETARY-TREASURER	5.00	Officer	$0	$0	$0
DAN GWALTNEY	PRESIDENT	5.00	Officer	$0	$0	$0
THOMAS L LEONARD	EXECUTIVE DIRECTOR	5.00	Officer	$0	$0	$0
SALLY AIELLO	EXECUTIVE COMMITTEE MBR	5.00	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
2024	$166,901	$166,879	$3,123	$22
2023	$193,062	$154,952	$3,101	$38,110
2022	$187,410	$252,385	$15,794	$-64,975
2021	$215,440	$288,570	$102,186	$-73,130
2020	$214,045	$257,261	$167,888	$-43,216
2019	$414,076	$367,976	$177,799	$46,100
2018	$497,340	$461,678	$135,784	$35,662

CALIFORNIA FINANCIAL SERVICE PROVIDERS