Solvency Watch

Drag or type to stress-test. Thresholds are shown openly.

• Reserve ratio

  ?

  Reserve ratio — Reserves are the cushion that absorbs a bad year before cuts are forced.
  Healthy when at or above 15%. Past that line it is named as a red flag.

  %
  threshold ≥ 15%⚑ breached
• Debt load

  ?

  Debt load — Heavy debt service crowds out the mission when revenue dips.
  Healthy when at or below 60%. Past that line it is named as a red flag.

  %
  threshold ≤ 60%ok
• Funding level

  ?

  Funding level — Below fully funded, today's obligations lean on tomorrow's dollars.
  Healthy when at or above 80%. Past that line it is named as a red flag.

  %
  threshold ≥ 80%ok
• Burn rate

  ?

  Burn rate — A fast drawdown sets the clock on how long reserves last.
  Healthy when at or below 8%/yr. Past that line it is named as a red flag.

  %/yr
  threshold ≤ 8%/yr⚑ breached