Garland Memorial Fund (EIN 046016400) - 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

1903

Legal Domicile

Principal Officer

Charles A Cheever

Phone

6172484064

Tax Period

2025-01-01 to 2025-12-31

Garland Memorial Fund, founded in 1903, is a micro nonprofit in the Community Improvement sector that reported $77K in total revenue in fiscal year 2025. Revenue fell 30% from the prior year — a significant decline worth monitoring. Net assets of $1.6M represent 254 months of operating reserves.

Mission

Grants to the Elizabeth Peabody House Association, Inc.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $77,323

Other Revenue $0

TOTAL REVENUE $77,323

Expense Breakdown

Grants Paid $55,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $67,186

Other Expenses $22,796

TOTAL EXPENSES $77,796

Year-over-Year Comparison

	2025	2024	Change
Revenue	$77,323	$110,775	-0.3%
Expenses	$77,796	$71,674	+0.1%
Net Income	$-473	$39,101	-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
Charles Cheever	Trustee	1.00	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
2025	$77,323	$77,796	$1,635,177	$-473
2024	No data	No data	No data	No data
2023	$66,240	$69,926	$1,371,978	$-3,686
2022	$-61,008	$81,661	$1,248,980	$-142,669
2021	$184,033	$92,729	$1,701,689	$91,304
2020	$111,593	$85,869	$1,595,318	$25,724

Garland Memorial Fund