Solvency Watch

Built for Rep. Jimmy Patronis · U.S. Representative (FL-01) (R) · Former FL CFO

A financial early-warning board for a public fund or budget — key ratios roll into a solvency signal with the red flags called out.

Coastal County General Fund & Pension · early-warning board

Solvency Signal · FY2025

Fiscal period

54%

composite

Watch

One or more ratios have crossed into the caution zone.

rule applied: composite 54.0 → watch (healthy ≥ 70 · watch ≥ 45)

Reserve Ratio

watch

0.116 · ~1.4 mo

reserves ÷ annual expenditures

score 44/100 · weight 30%healthy ≥ 0.250 · ~3.0 mo

Debt-Service Load

watch

13.7% of revenue

annual debt service ÷ revenue

score 62/100 · weight 25%healthy ≤ 10.0% of revenue

Pension Funding

watch

73.2% funded

plan assets ÷ accrued liabilities

score 63/100 · weight 25%healthy ≥ 80.0% funded

Structural Balance

watch

-3.9% deficit

(revenue − expenditures) ÷ expenditures

score 48/100 · weight 20%healthy ≥ +0.0% surplus

How this reads: the four ratios are scored 0–100 against published thresholds, then weighted (Reserves 30% · Debt 25% · Funding 25% · Burn 20%) into a composite of 54.0. Bands: healthy ≥ 70, watch ≥ 45, else strain. A single ratio in strain caps the signal at watch; two or more force strain — so no weak number hides behind an average.

Sealed-Snapshot Ledger · SHA-256 Hash Chain

solvency-watch · ledger.log

# solvency-watch · sealed-snapshot ledger

# Seal a period from the Stress-test tab to begin a tamper-evident, hash-chained record.

Illustrative early-warning model on seeded sample figures (in $ millions). Thresholds, weights, and scoring anchors are shown openly and editable in Stress-test. This is a budget-watch transparency tool — not financial or investment advice. Consult your CFO and auditors for decisions.

Showcase demo for the America's Future 80th Anniversary Summit. Showcase · best home: Nonprofit / first-responder mission. Seeded with realistic sample data; runs payment-dark (no billing). Not a production system.