ADOPTIONS WITH LOVE INC (EIN 042921324) - 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

1986

Legal Domicile

Principal Officer

AMY S COHEN

Phone

6179644357

Tax Period

2024-01-01 to 2024-12-31

ADOPTIONS WITH LOVE INC, founded in 1986, is a community nonprofit in the Human Services sector that reported $2.8M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $507K, a strong 18% operating margin.

Mission

PRIVATE ADOPTION AGENCY PROVIDING SERVICES TO EXPECTANT, BIRTH AND ADOPTIVE FAMILIES.

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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 $32,592

Program Service Revenue $2,502,177

Investment Income $258,944

Other Revenue $0

TOTAL REVENUE $2,793,713

Expense Breakdown

Grants Paid $0

Salaries & Benefits $723,620

Fundraising Expenses $0

Program Expenses $2,073,507

Other Expenses $1,562,881

TOTAL EXPENSES $2,286,501

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,793,713	$2,411,293	+0.2%
Expenses	$2,286,501	$2,186,315	+0.0%
Net Income	$507,212	$224,978	+1.3%

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

$219,397

Total Directors

$219,397

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NADEGE WHITE	DIRECTOR	0.50	Director	$0	$0	$0
AMY S COHEN	EXECUTIVE DIRECTOR	40.00	Officer Director	$137,608	$0	$137,608
MARK BLECHER	CLERK & DIRECTOR	0.50	Director	$0	$0	$0
CHRISTOPHER COUNIHAN	CHAIRMAN & DIRECTOR	0.50	Director	$0	$0	$0
NANCY ROSENHAUS	ASSOCIATE DIRECTOR	40.00	Officer Director	$81,789	$0	$81,789
GRETCHEN MORGAN	DIRECTOR	0.50	Director	$0	$0	$0
SUSAN HEFFRON	DIRECTOR	0.50	Director	$0	$0	$0
AUSTIN BLISS	DIRECTOR	0.50	Director	$0	$0	$0
RICHELLE MAGUIRE	TREASURER & DIRECTOR	0.50	Director	$0	$0	$0
PEGGY ARNOLD	DIRECTOR	0.50	Director	$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	$2,793,713	$2,286,501	$6,561,681	$507,212
2023	$2,411,293	$2,186,315	$5,817,627	$224,978
2022	$1,993,576	$2,330,135	$5,486,587	$-336,559
2021	$2,266,222	$2,089,849	$6,854,503	$176,373
2020	$2,653,979	$2,146,995	$6,414,413	$506,984
2019	$2,274,096	$1,996,910	$5,886,849	$277,186
2018	$2,119,288	$1,971,530	$4,968,473	$147,758

ADOPTIONS WITH LOVE INC