MILL REEF FUND (EIN 136162947) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1948

Legal Domicile

Principal Officer

HELEN YEAGER

Phone

9144263902

Tax Period

2025-01-01 to 2025-12-31

MILL REEF FUND, founded in 1948, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $599K in total revenue in fiscal year 2018. Revenue fell 31% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $143K, a strong 24% operating margin.

Mission

TO RENDER EDUCATIONAL, MEDICAL & PHILANTHROPIC ASSISTANCE TO THE INHABITANTS OF ANTIGUA & BARBUDA.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $939,275

Program Service Revenue $0

Investment Income $0

Other Revenue $12,147

TOTAL REVENUE $951,422

Expense Breakdown

Grants Paid $755,130

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $755,130

Other Expenses $15,055

TOTAL EXPENSES $770,185

Year-over-Year Comparison

	2025	2024	Change
Revenue	$951,422	$786,599	+0.2%
Expenses	$770,185	$603,089	+0.3%
Net Income	$181,237	$183,510	0.0%

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

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
HELENE VAN BEUREN	CHAIR	5.00	Officer Director	$0	$0	$0
ELIZABETH SANTINI	VICE CHAIR	5.00	Officer Director	$0	$0	$0
HELEN YEAGER	TREASURER	5.00	Officer Director	$0	$0	$0
LUCY DAYTON	SECRETARY	5.00	Officer Director	$0	$0	$0
PENNY ASHFORD	TRUSTEE	1.00	Director	$0	$0	$0
CASSANDRA BROOKS	TRUSTEE	1.00	Director	$0	$0	$0
FULLER COWLES	TRUSTEE	1.00	Director	$0	$0	$0
MELANIE LETBY	TREASURER	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	$951,422	$770,185	$1,085,047	$181,237
2024	No data	No data	No data	No data
2023	$690,290	$593,596	$720,313	$96,694
2022	$615,070	$864,778	$623,606	$-249,708
2021	$611,274	$494,036	$873,314	$117,238
2020	$491,325	$976,514	$756,076	$-485,189
2019	$723,811	$639,502	$1,241,186	$84,309
2018	$598,727	$455,612	$1,156,931	$143,115

MILL REEF FUND