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CHAPTER SIX:
BENCHMARKING LEARNING FINANCE*


In order to remain viable, colleges must be financially sound. Small colleges, in particular, have been dramatically affected by the reduction in the level of public support for higher education that has taken place in the past several years. They are required to offer the same level of services to their constituents with significantly fewer resources. Small colleges are often held to the same level of tuition increases regardless of their size or location. These colleges are often located in rural communities and tend to be even more sensitive to tuition increases due to their smaller and often less affluent population base. It is essential that small colleges remain open and continue to thrive. They are vitally important as points of access to higher education and as centers of economic development. The purpose of this benchmarking study is to identify and describe the innovative and creative financing methods used by a small, public two-year college in an effort to remain viable and vigorous into the 21st century.

Site Selection

The design specification for learning finance proposed in NDTYI (see Exhibit 5) served as the basis for selecting Sauk Valley Community College (SVCC) located in Dixon, Illinois, as the site for this study. The financial process at Sauk Valley was found to be particularly responsive to the following NDTYI design specifications:

  • Supports Reengineering and Innovative Options: The learning finance process at SVCC encourages the flexibility, autonomy, and courage to experiment with and redesign institutional processes.

  • Allocates Resources Based on Value-Added: Learning finance at SVCC ensures that resources get to the places in the institution which add the most value in terms of learning signature and outcomes.

  • Stabilizes Funding Patterns: At SVCC, learning finance provides a continuous and dependable flow of resources with both a short- and long-term view.

Exhibit 5
Design Specifications for Learning Finance

* Aligns with Learning Context, Signature, Outcomes, Process, Organization, Partnerships, Staff, and Environment: Learning finance pays close attention to the design specifications for previous design elements.
* Integrates Local, State, National, and International Goals, Planning, and Resources: Learning finance brings together multiple sources of funds and enhances flexibility in use of resources.
* Links Risk, Responsibility, Performance, and Reward Everywhere: Learning finance ensures constant accountability, closely relates performance to rewards, and encourages entrepreneurship.
* Supports Re-Engineering and Innovative Options: Learning finance encourages the flexibility, autonomy, and courage to experiment with and redesign institutional processes.
* Uses Partnerships as a Standard Way of Doing Business: Learning finance constantly reminds and reinforces attention to controlling costs and enhancing revenues through partnerships.
* Allocates Resources Based on Value-Added: Learning finance ensures that resources get to the places in the institution which add the most value in terms of learning signature and outcomes.
* Stabilizes Funding Patterns: Learning finance provides a continuous and dependable flow of resources with both a short- and long-term view.

In using these specifications as a guide to benchmarking TYIs, it is important to take account of existing financial management standards and practices. Site selection was a matter of combining the NDTYI design specifications with published financial indicators as outlined below.

Recently, KPMG Peat Marwick LLP (1996) was engaged by the U.S. Department of Education to conduct a financial ratio analysis project, the purpose of which was to develop a methodology to be used as an initial screening device to identify financially troubled colleges. The methodology that they developed takes into account an institution's financial condition, its organizational structure and mission, and the accounting and reporting requirements to which it is subject. Their final recommendation was to use three ratios to assess a college's financial position. For the purposes of this study, I calculated two of these ratios for small, public two-year colleges throughout the country in order to identify those colleges that appear to be the most financially viable. The ratios that I calculated were the primary reserve ratio, which measures fund balance as a percentage of total expenditures, and the net income ratio, which measures net income as a percentage of total revenue. Accumulated net income, or fund balance, provides additional resources that allow an organization to maintain a stable funding pattern--one of the NDTYI design specifications for learning finance. I did not calculate the viability ratio because it involves the measurement of plant indebtedness, which many of the colleges do not have. One of the weaknesses of Peat Marwick's financial analysis ratio project is that it does not take into account expenditures per student, which is often negatively correlated with the fund balance of a college. Based on the value of the above ratios, a threshold factor determined by Peat Marwick was assigned to each college, which was then weighted 90% to the primary reserve ratio and 10% to the net income ratio, to arrive at a product, the sum of which was used to assign each college to a category, with category I being the most financially sound and category IV being the least financially sound institutions. I obtained the financial information necessary to compute these ratios from the most recent Integrated Postsecondary Education Data System (IPEDS) report available from the U.S. Department of Education (1994).

Site Background

The following case study is based on information obtained during an interview with Jami Bradley, Vice President of Administrative Services of SVCC, on August 7, 1997. SVCC was built during the late 1960s and the first classes were held during the 1970-1971 academic year. It was built without an administrative wing, with the intention to add it at a later date. This wing has not been built and there have been no major building projects at the college since its original construction.

The State of Illinois has a Board of Higher Education, the IBHE, which oversees both two- and four-year institutions. In addition, Illinois also has a Community College Board, the ICCB, which is involved only with TYIs. Illinois is divided into 39 districts, each served by a community college, although some colleges have more than one campus. Students are assigned to districts based on their place of residence. As a result, there is little competition for students. If students would like to enroll in a program that is not offered at the college located in their district, they are allowed to attend another college, however, the college in their district is required to reimburse the college in which they are enrolled. Illinois community colleges cannot own and operate dormitories; however, some colleges have built dormitories on adjacent land that are managed by a third party.

SVCC's closest four-year competitors are Northern Illinois University located in DeKalb and Western Illinois University located in Macomb. There are also private four-year institutions located in Rockford and Galesburg. A number of area students also attend Southern Illinois University or institutions located in Chicago, which is approximately two hours from Dixon.

The college has had three presidents. The current president has been in his position for ten years. There are three vice presidents, one each in the areas of instructional services, student services, and administrative services, with directors of each functional area. This structure has remained fairly stable over the last several years. The only exception is that academic programs had historically been led by faculty who served as chairpersons, but are currently being led by deans who function solely in an administrative capacity.

The college has approximately 20 full-time and four part-time administrators; 60 full-time and 30 part-time faculty; and 60 full-time and 15 part-time professional, clerical, and maintenance staff. Only the faculty are unionized. The college has auxiliary bookstore and childcare operations. Its food service is operated by an independent contractor. It has a credit-based unit of instruction and is organized on a semester basis with two summer sessions, one intensive two-week session, and a regular ten-week session. There is an increasing amount of interest in year-round instruction due to welfare reform.

There are approximately 15,000 full-time equivalent students enrolled at the college with a headcount of approximately 2,700 and 45,000 credit hours. SVCC is one of the smallest community colleges in the state. Enrollment has been fairly stable. It spiked in 1993-1994 with the economic recession, but has now returned to normal. One recent change which affected enrollment was the break in the relationship between the college and the state correctional facility located in Dixon, which occurred the year prior to the change in the federal law which caused inmates to be ineligible for Pell grants.

Process Objectives

Illinois community colleges are required to participate in a program review process by the IBHE and ICCB (Sauk Valley Community College, 1997). Each department within each college is evaluated on a revolving five-year basis. The financial process used by the college needs to support reaching a positive response to the following review criteria:

1. Occupational Instructional Programs

  • Is there a need for the program area based on trends in enrollments, completions, job placement, and labor market demand?

  • Is the program cost effective? How was this determined?

  • List strengths of the program.

  • List weaknesses of the program.

  • List quality improvements recommended for the program as a result of the review.

  • (Optional) Describe any unique innovations recently implemented for this program area.

  • Provide the prefix and number of each curricula within this CIP and indicate its status: (1) continued with minor improvements, (2) significantly modified, (3) discontinued, or (4) scheduled for further review in the coming year.
2. Academic Disciplines
  • Is there a need for the discipline based on trends in enrollments and retention? Please explain any adverse trends.

  • Is the program cost effective? How was this determined?

  • Are all courses in the discipline articulated to satisfy general education or major field requirements? Explain exceptions.

  • List quality improvements recommended for the discipline as a result of the review.

  • (Optional) Describe any unique innovations recently implemented for this discipline.

  • Based on the program review, will the college (1) continue the discipline with minor improvements, (2) continue the discipline with major modifications, (3) discontinue the discipline as of a certain date, or (4) other (explain)?
3. Academic and Support Programs
  • Based on student participation, is there demand for the programs listed above? Please explain any low participation trends.

  • Are the units cost effective? How was this determined?

  • List quality improvements recommended for these programs as a result of the review.

  • (Optional) Describe any unique innovations recently implemented for these program areas.
4. Overall Academic Productivity
  • Did the college examine its scope of offerings in relation to institutional size, mission, and available resources? If so, what conclusions were reached?

  • Did the college examine the use of staffing patterns and instructor teaching qualifications in regard to program cost and quality? If so, what conclusions were reached?

  • Did the college examine faculty workloads? What conclusions were reached?

  • Did the college examine its academic calendar in relation to the effective use of students and faculty time, facilities, and institutional resources? What conclusions were reached?

  • Did the college evaluate its faculty development policies to ensure that they effectively and efficiently support scholarship and faculty renewal goals? What conclusions were reached?

  • Did the college examine trends in resource commitments to academic support functions and technologies? What conclusions were reached?

  • Has the college examined its organizational structure and processes to ensure that resource sharing is being accomplished? What conclusions were reached?
5. Administrative Productivity
  • Are all administrative units and functions central to the college's mission? If not, please explain.

  • If administrative expenditures per student are significantly above or below the peer group average, please provide a brief analysis of the reasons.

  • Is there redundancy of functions within or across administrative or academic units? If so, please identify the areas.

  • Summarize the steps the college will take to improve the efficiency of operations.
6. Public Service Productivity
  • Has the college evaluated its public service offerings in light of its overall mission and institutional, regional, and statewide priorities? If so, what changes, if any, are being made as a result?

  • Are all of the college's public service functions self-supporting? If not, please explain.

  • Is there redundancy of public service functions within the college and/or community? Please identify the areas.

  • Has the college examined the quality of its public service offerings? If so, are any being eliminated as a result?
7. Each new initiative identified as a result of this process is summarized, along with the current year and the projected five-year dollars and the source of the funds that must be invested in order to accomplish the stated goal. If initiatives are being eliminated, the current year and projected five-year dollars and the area to which those funds will be reallocated must be stated.
8. The Productivity Quality Process (PQP) also requires a special focus for Occupational Program Reviews which encompass the following:
  • Colleges with programs in which the number of graduate respondents exceeds 10, the average unemployment rate is more than the state average (5.1%), and over one-fourth of the graduates are employed in an unrelated field should closely examine these programs through the program review process, develop relevant recommendations, and take appropriate actions to either strengthen or discontinue them.

  • Programs in which more than one-third of Associate in Applied Science graduates are enrolled for further study in a related field should examine the extent of articulation currently existing and assess whether efforts are sufficient. Findings should be indicated as either a strength or a recommendation in summary reports.

  • Colleges with programs in which graduates' overall program component satisfaction rates were less than 3.9 on a five-point scale are asked to review the results of the graduate ratings to see if there are particular components that may be problematic as they perform their fiscal year program reviews. Findings should be reflected in recommendations for program improvements in summary reports.

  • Colleges with occupational survey response rates of less than 50% are asked to give special attention to increasing these rates for the coming year. These colleges should provide a brief update on their efforts to increase response rates in their program review reports.

Priority statements based on the college's strategic plan must be annually updated in the PQP and a plan to strengthen the linkages and to integrate planning, budgeting, program approval, and program review around collegewide priorities must be detailed.

In addition, faculty roles and responsibilities, to include faculty development, reward and incentive systems, and the breadth of faculty contributions; and enhancements in the use of educational technology, to include enabling activities, delivery and instruction enhancements, and community partnerships, is described. The PQP also contains an Executive Summary which includes the processes followed, the level of involvement, the priorities addressed, and the key decisions made during the year. It is concluded with a review of the key improvements in undergraduate education made at SVCC during the last five years and the plans that will be implemented within the next year to enhance undergraduate education.

In addition to the comprehensive document described above, each division of the college (i.e., instructional services, student services, and administrative services) prepares an annual report which details the accomplishments and activities of its component departments.

Key Features

The following design features stand out in characterizing learning finance at SVCC:

Stable Funding

Tuition is determined by each community college in Illinois, with a minimum rate set by the IBHE. For the 1997-1998 academic year, tuition at SVCC is $44 per semester credit, which includes a $3 activity fee used for such activities as student government, the student newspaper, fine arts activities such as theater and choir, and athletics (five men's and women's athletic activities), and a $2 technology fee. Revenue from the technology fee can be carried over from year to year.

Before the tuition rate is set each year, the Vice President of Administrative Services surveys other community colleges in the state. Statewide, the proposed 1997-1998 tuition rates range from $31 to $54 per semester credit, with an average of $42. This includes fees that range from zero to $7.50.

Since 1967, tuition has increased from $10 per semester credit to its current $44. The average increase per year was 5.2%, although there were many years without any increases and a few with very large increases, for example, 25% in 1983 and 27.6% in 1993. The current Vice President of Administrative Services favors small incremental tuition increases each year rather than very large periodic increases.

In Illinois, community college districts levy property taxes. The general guideline is that colleges should be funded approximately one-third each by local taxes, state grants, and tuition and fees. In 1997-1998, SVCC plans to receive 37% of its funding from local taxes, 33% from state grants, 28% from tuition and fees, and the remaining 2% from sources such as facility rental and investment revenue. The college receives a small amount of federal funds such as Perkins funds, which are included as part of state funds since they flow through the state educational agency. IBHE is also beginning to implement a system of performance-based funding. At the current time, approximately 2% of each college's state funding is determined by its performance measured against predetermined goals.

The college has traditionally maintained a large fund balance, due in part to its conservative administration and governing board. The fund balance is viewed as a reserve that can be used in times of fiscal crisis and as an alternative funding source due to the revenue that is earned from its investment. In 1995, the operating fund balance was as high as $2.2 million, at which time the governing board approved the college's request to "spend it down" on technology-related expenditures. The 1997 unaudited fund balance is $1.1 million. The Vice President of Administrative Services anticipates that it will level off at this point and stated that the board would not allow it to fall below $1.0 million. Other recent changes which have affected the college's fund balance are the decisions to become self-insured, which has saved an estimated $1.2 million per year, and to install a generator to produce electricity for the campus. In addition, the college has had turnover in its Chief Financial Officer position. The individual who held this position since the college's inception left in 1991 and was replaced by an individual who remained for only three years. In 1994, the current CFO was promoted from her position as Business Manager.

Alternative Funding Sources

SVCC is currently in the process of hiring a Director of Grants, Planning, and Institutional Research. This individual will be responsible for pursuing alternative sources of funding. In addition, the college has a Corporate and Community Services department, encompassing contract training and community education, which is active in soliciting new business.

SVCC has an active foundation that provides money for scholarships and equipment. It has a separate governing board and is led by the Director of College Relations. It participates in annual fundraising activities and has recently undertaken two successful endowment challenge grants.

Accountability in Financial Management

In March of each year, the Vice President of Administrative Services distributes documentation that must be completed by the Deans or Directors and channeled through the Vice Presidents for initial budget requests. These requests are accumulated and combined for initial review by the Vice President of Administrative Services, who then returns them to the departments with guidelines for modification. When they are returned, the Vice President of Administrative Services makes the final adjustments with input from the President and other Vice Presidents. The final budget is presented to the Board of Trustees by the President for two "readings" before it is adopted, usually in June or July of each year.

Requests for expenditures are approved by the Deans or Directors and Vice Presidents, who are held accountable for the budgets in their respective areas of authority. There is some flexibility in that overexpenditures in one department may be offset by underexpenditures in another, as long as the total expenditures remain within the approved budget. Each grant obtained by the college has its own administrator, who is responsible for the financial management of the grant. The Vice President of Administrative Services is responsible only for expenditures in her area of authority (i.e., the business office, personnel services, building and grounds, and the bookstore). However, she is informed of all equipment purchases in excess of $500 so that those purchases are included in the fixed assets of the college. Purchases over $10,000 must be approved by the Board of Trustees.

All computer-related purchases are approved by the Information Systems department in order to maintain an integrated, compatible information management system. To date, the college has purchased its computers rather than leasing them. Since the college leases its telephone system and its copiers, the decision to purchase its computers has been made in an effort to equalize its lease payments with its equipment purchases.

Each college in Illinois has its own information system for financial reporting; however, each must provide a detailed report to the IBHE on a quarterly basis using a centrally determined chart of accounts. In addition, each college must provide program reviews and salary and unit cost studies to the IBHE on an annual basis. Unit cost studies report costs and enrollments by area and are used to determine statewide average unit costs which, in turn, are used in the allocation process.

Recognize Value of Human Resources

Salaries and fringe benefits comprise approximately 75% of the college's total budget and are determined prior to the budget being developed. As stated previously, only the faculty are unionized; however, they take the lead in determining salary increases and changes in fringe benefits. All employees of the college receive the same percentage increase each year. Leave policies are very liberal with 13 paid holidays, 11 sick days, 3 personal days, and vacation which increases each year to a maximum of four weeks per year.

The college has a competitive fringe benefit package; however, only full-time employees are eligible to participate. In 1995, for the first time, employees were required to pay for a portion (25%) of their dependent health care premium. There is a three-tiered premium, with different rates for single coverage, single plus one coverage, and family coverage. There is also a $200 deductible per year with an out-of-pocket maximum of $1,700. Dental insurance is not offered. Life insurance equal to the employee's annual salary and short-term disability insurance are provided at no cost to the employee and employees have an option to purchase additional life and long-term disability insurance.

The college offers a tuition reimbursement program in which employees and their dependents may take courses at SVCC at no cost. Full-time employees and their dependents may take courses at other institutions and have tuition of up to $150 per credit waived up to a maximum of 12 credits per year. In addition, the college offers a computer purchase program in which it purchases computers for its employees' personal use and allows the employee to reimburse the college over a period of two years with no interest through payroll deduction.

Partnerships

The college has many shared programs with other two-year colleges. It is a member of a distance learning network that includes approximately ten institutions and is headquartered at Western Illinois University in Macomb. Western Illinois University also offers a Board of Governors program at SVCC, which is an individualized program that allows students to earn a four-year degree. Mount St. Clair and National Lewis, which are private colleges, also offer four-year degrees on the SVCC campus. Illinois is currently in the process of developing a statewide articulation agreement to facilitate the transfer of credits between institutions.

The college also partners with area school districts in such areas as distance learning, Tech Prep, and School-to-Work initiatives. It participates in an Honors Credit in Escrow program as well. This program provides an opportunity for academically talented high school juniors to earn one full semester of college credit before their freshman year in college. It consists of five general education courses starting in the summer after the student's junior year in high school and continuing through the summer following the student's senior year. Fifteen credits are earned and are guaranteed to transfer to four-year colleges. The credits are held "in escrow" for the student until he or she graduates from high school, at which time they are transferred to a four-year institution or applied toward a degree at SVCC.

SVCC has formed a partnership with General Electric in which faculty travel to General Electric and provide training to its employees. General Electric provides the college with some equipment in exchange for training for their employees. Through its Corporate and Community Services department, the college has established many relationships with business and industry.

Impact

The effective design of SVCC's financial structure is evident not only in its strong financial ratios, but also in more visible features. Upon approaching SVCC, you are struck by the immenseness of its grounds and its impeccably-maintained facilities. A walk through the building provides evidence of the college's recent and significant investments in technology. Computer and scientific laboratories are numerous, equipment is current and well-maintained, and interactive television (ITV) classrooms are prevalent.

SVCC also has an effective program review process which ensures that resources are allocated in areas that add the most value to the college. For example, occupational programs in which the average unemployment rate is greater than the state average and in which over one-fourth of the graduates are employed in an unrelated field must be carefully scrutinized and appropriate action taken to either strengthen or discontinue them. If they are discontinued, the areas to which the funds from those programs are reallocated must be delineated in the program review report. The resources provided from this reallocation of funds support re-engineering and innovation in an environment of continuous improvement.


Future Directions

SVCC will be confronting a number of challenges in the near future, including the following:

Change in Funding Sources

At the state level, there will be a number of legislative changes related to taxation. Illinois currently has a 3% income tax. The remainder of the state's education budget is funded through property taxes. There is going to be a shift away from reliance on property taxes to a greater emphasis on income taxes. There is currently a cap of 5% on the increase in the amount of revenue that a district can receive from property tax revenues from year to year.

Building Construction

At the college level, there is an increasing need for more sections of classes with fewer students in each in order to meet the demand for flexible scheduling. A number of classrooms have been converted to computer labs and distance learning classrooms, creating the need for additional classrooms. In addition, an increasing number of contract training and community education classes has created the need for additional classroom space. When combined with a desire to complete the planned administrative wing, it is likely that a building project will be considered in the near future.

Design Implications

There are a number of factors in the Illinois system of higher education which affect the fund balances of its colleges. One is its use of districts, which assigns students based on their place of residence and greatly reduces competition among colleges. Another is its combination of centralized and decentralized governance structures. One example is the IBHE, which is decentralized by the ICCB. Tuition is determined by each college, but must be within guidelines set by the state. Still another example is the ability of each college to use its own management information system with a requirement for detailed quarterly reporting using a centralized chart of accounts structure.

At the college level, SVCC also has a number of characteristics that affect its individual fund balance. The most pervasive characteristic is the conservative nature of its governing board and administration, although it appears that these individuals are not adverse to change or risk as illustrated by their decision to become self-insured. One of the criticisms inherent with an unusually large fund balance is that, in order to build such a fund balance, it is often necessary to restrict expenditures per student. SVCC has made a conscious decision to spend its fund balance down to a predetermined level in order to increase its level of technology, which will directly impact its students. The college utilizes a participative budgeting process and holds its administrators accountable for financial decisions. Intensive planning and review processes are also undertaken by college constituents in an effort to enhance its productivity and efficiency. The college does not appear to actively solicit alternative sources of funding or to enter into partnerships, possibly because it does not feel a need to do so. However, if there are significant changes in the tax structure in Illinois and/or if the college undertakes a building project in order to increase classroom and administrative space as predicted, these sources of funding will become increasingly important.

In summary, it is apparent that SVCC's financial strength is not an accident. It is a result of a number of factors which have interacted to create a uniquely successful, financially strong two-year institution of higher education.

Contacts

Study Author

Kathy Hefty, Business Manager, Pine Technical College, 1000 4th Street, Pine City, MN
55063, (320) 629-6764

Site Contact

Jani Bradley, Vice President of Administrative Services, Sauk Valley Community College,
173 Illinois Route 2, Dixon, IL 61021, (815) 288-5511


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