UNIVERSAL CHASTITY EDUCATION INC (EIN 201607315) - 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

2004

Legal Domicile

Principal Officer

SARAH SMITH

Phone

7192488828

Tax Period

2024-08-01 to 2025-07-31

UNIVERSAL CHASTITY EDUCATION INC, founded in 2004, is a small nonprofit in the Health Care sector that reported $156K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year.

Mission

TO PROMOTE, THROUGH EDUCATION, SEXUAL ABSTINENCE UNTIL MARRIAGE AND MARITAL FIDELITY AS HEALTHY LIFESTYLES FREE FROM SEXUALLY-TRANSMITTED DISEASES INCLUDING HIV AND AIDS.

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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 $149,655

Program Service Revenue $0

Investment Income $7,871

Other Revenue $-1,122

TOTAL REVENUE $156,404

Expense Breakdown

Grants Paid $0

Salaries & Benefits $44,919

Fundraising Expenses $2,485

Program Expenses $144,163

Other Expenses $126,231

TOTAL EXPENSES $171,150

Year-over-Year Comparison

	2024	2023	Change
Revenue	$156,404	$194,184	-0.2%
Expenses	$171,150	$176,069	0.0%
Net Income	$-14,746	$18,115	-1.8%

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

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

$41,671

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH SMITH	USA DIRECTOR	40.00	Officer	$41,671	$0	$41,671
SAMUEL EBERSOLE	DIRECTOR	N/A	Director	$0	$0	$0
KIM K DERNOVSEK	PRESIDENT &	20.00	Officer Director	$0	$0	$0
KENNETH D DERNOVSEK	VP, SEC. & D	10.00	Officer Director	$0	$0	$0
REV EPHRAIM RADNER	DIRECTOR	N/A	Director	$0	$0	$0
LYNN GIMLIN	DIRECTOR	N/A	Director	$0	$0	$0
HANNAH RUSH	DIRECTOR	N/A	Director	$0	$0	$0
BRUCE LUNDBERG	DIRECTOR	N/A	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	$156,404	$171,150	$270,545	$-14,746
2024	$194,184	$176,069	$278,699	$18,115
2023	$178,851	$169,991	$261,089	$8,860
2022	$220,695	$153,417	$248,972	$67,278
2021	$181,874	$125,929	$180,474	$55,945
2020	$191,159	$133,990	$133,189	$57,169
2019	$238,634	$214,093	$69,198	$24,541

UNIVERSAL CHASTITY EDUCATION INC