PERSON TO PERSON INC

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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

1994

Legal Domicile

Principal Officer

NANCY COUGHLIN

Phone

2036550048

Tax Period

2024-07-01 to 2025-06-30

PERSON TO PERSON INC, founded in 1994, is a mid-sized nonprofit in the Philanthropy & Grantmaking sector that reported $17.5M in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year.

Mission

PERSON TO PERSON SUPPORTS FAMILIES AND INDIVIDUALS AS THEY MOVE TOWARD STABILITY WITH HEALTHY FOOD, CLOTHING, HOUSING AND A PATH TO ECONOMIC OPPORTUNITY.

Program Service Accomplishments

Program 1

Expenses: $15,631,484 Revenue: $11,460

THE CRITICAL NEEDS PROGRAM PROVIDES FOOD, CLOTHING, FINANCIAL ASSISTANCE, INCLUDING EVICTION MEDIATION, AND CRISIS COUNSELING TO RESIDENTS OF LOWER FAIRFIELD COUNTY, CONNECTICUT.

Program 2

Expenses: $177,818

THROUGH THE SCHOLARSHIP FUND, GRANTS ARE AWARDED TO LOW-INCOME STUDENTS, MANY OF WHOM ARE THE FIRST IN THEIR FAMILIES TO ATTEND COLLEGE.

Program 3

Expenses: $246,823

CAMPERSHIPS PROVIDE THE OPPORTUNITY FOR CHILDREN FROM LOW-INCOME HOUSEHOLDS TO ATTEND LOCAL DAY CAMPS FREE OF CHARGE.

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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 $17,627,623

Program Service Revenue $0

Investment Income $157,269

Other Revenue $-290,633

TOTAL REVENUE $17,494,259

Expense Breakdown

Grants Paid $12,855,893

Salaries & Benefits $3,022,100

Fundraising Expenses $1,176,463

Program Expenses $16,056,125

Other Expenses $1,804,176

TOTAL EXPENSES $17,682,169

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,494,259	$18,941,957	-0.1%
Expenses	$17,682,169	$18,722,412	-0.1%
Net Income	$-187,910	$219,545	-1.9%

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

1923

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

$903,730

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY COUGHLIN	CHIEF EXECUTIVE OFFICER	40.00	Officer	$193,172	$27,004	$220,176
LAUREN FRANCIAMORE	CHIEF PROGRAMS & HUMAN RES	40.00	Officer	$124,403	$39,252	$163,655
JURI GARONE	CHIEF COMMUNITY RELATIONS	40.00	Officer	$105,013	$54,964	$159,977
DEBRA RITCHIE	CHIEF OPERATING OFFICER	40.00	Officer	$124,908	$4,424	$129,332
JULIE MOELLER	CHIEF PHILANTHROPY OFFICER	40.00	Officer	$122,993	$518	$123,511
COREY PARIS	CHIEF IMPACT OFFICER	40.00	Officer	$106,377	$702	$107,079
CHRISTINA JOHNSON-WOLFF	CHAIR	2.00	Officer Director	$0	$0	$0
MIKE RICCARDI	VICE CHAIR	2.00	Officer Director	$0	$0	$0
CAROLINE GILLESPIE-GREER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
NORMAN LACROIX	TREASURER	1.00	Officer Director	$0	$0	$0
BETSY WILSON	SECRETARY	2.00	Officer Director	$0	$0	$0
YAKUT AKMAN	DIRECTOR	1.00	Director	$0	$0	$0
RUSS CHAPMAN	DIRECTOR	1.00	Director	$0	$0	$0
DR CELESTE COX BALDWIN	DIRECTOR	1.00	Director	$0	$0	$0
SHAWN LAWSON CUMMINGS	DIRECTOR	1.00	Director	$0	$0	$0
ALLISON GAGLIARDI	DIRECTOR	1.00	Director	$0	$0	$0
ISIS-RAE GOULBOURNE	DIRECTOR	1.00	Director	$0	$0	$0
MIMI GRIFFITH	DIRECTOR (UNTIL 01/2025)	1.00	Director	$0	$0	$0
JEFF HOULE	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE LAPPAS	DIRECTOR (UNTIL 06/10/25)	1.00	Director	$0	$0	$0
TODD LINDVALL	DIRECTOR	1.00	Director	$0	$0	$0
LAUREN MATTHIESEN	DIRECTOR	1.00	Director	$0	$0	$0
BION PIEPMEIER	DIRECTOR (AS OF 01/2025)	1.00	Director	$0	$0	$0
ANGELA RILEY	DIRECTOR	1.00	Director	$0	$0	$0
LUCIA RILLING	DIRECTOR	1.00	Director	$0	$0	$0
HOLLY SCHULZ	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS WILLIS	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WINTER	DIRECTOR	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	$17,494,259	$17,682,169	$8,446,051	$-187,910
2024	No data	No data	No data	No data
2023	$15,948,878	$16,213,837	$7,725,139	$-264,959
2022	$13,220,629	$13,490,033	$7,394,939	$-269,404
2021	$15,004,932	$13,955,989	$8,508,315	$1,048,943
2019	$13,674,881	$14,258,322	$6,000,334	$-583,441
2018	$13,461,335	$13,573,182	$6,117,338	$-111,847