ANN MILLIGAN GRAY ENDOWMENT FUND FOR SCHOLARSHIPS (EIN 200960982) - 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

2005

Legal Domicile

Principal Officer

KAREN GRAY-KREHBIEL

Phone

3123070280

Tax Period

2025-01-01 to 2025-12-31

ANN MILLIGAN GRAY ENDOWMENT FUND FOR SCHOLARSHIPS, founded in 2005, is a micro nonprofit in the Education sector that reported $46K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $61K exceeded revenue, resulting in a 34% operating deficit.

Mission

THE ORGANIZATION GRANTS COLLEGE SCHOLARSHIPS TO UNDERPRIVILEDGED STUDENTS.

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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 $45,727

Other Revenue $0

TOTAL REVENUE $45,727

Expense Breakdown

Grants Paid $53,881

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $53,881

Other Expenses $7,379

TOTAL EXPENSES $61,260

Year-over-Year Comparison

	2025	2024	Change
Revenue	$45,727	$40,428	+0.1%
Expenses	$61,260	$58,749	+0.0%
Net Income	$-15,533	$-18,321	-0.2%

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

N/A

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
KAREN GRAY-KREHBIEL	PRESIDENT	0.50	Officer Director	$0	$0	$0
LINDA GANTZ	SECRETARY	0.50	Officer Director	$0	$0	$0
VIRGINIA BOBINS	TREASURER	0.50	Officer 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	$45,727	$61,260	$746,839	$-15,533
2024	$40,428	$58,749	$762,436	$-18,321
2023	$10,914	$66,621	$780,627	$-55,707
2022	$7,298	$64,325	$834,702	$-57,027
2021	$79,188	$62,001	$891,394	$17,187
2020	$32,451	$142,852	$874,190	$-110,401
2019	$115,121	$66,357	$983,578	$48,764
2018	$154,878	$5,354	$930,517	$149,524

ANN MILLIGAN GRAY ENDOWMENT FUND FOR SCHOLARSHIPS