EMBRACE (EIN 202535599) - 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

2005

Legal Domicile

Principal Officer

Wendy McCaig

Phone

8042184320

Tax Period

2021-01-01 to 2021-12-31

EMBRACE, founded in 2005, is a micro nonprofit in the Human Services sector that reported $54K in total revenue in fiscal year 2020. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $73K exceeded revenue, resulting in a 33% operating deficit.

Mission

Embrace's mission is to strengthen communities from the inside out by providing training and coaching in Asset Based Community Development (ABCD.) Our vision is to fuel a nationwide community strengthening movement.

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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 (2021)

Revenue Breakdown

Contributions & Grants $39,966

Program Service Revenue $8,350

Investment Income $1,932

Other Revenue $0

TOTAL REVENUE $50,248

Expense Breakdown

Grants Paid $0

Salaries & Benefits $68,674

Fundraising Expenses $0

Program Expenses $64,750

Other Expenses $8,510

TOTAL EXPENSES $77,184

Year-over-Year Comparison

	2021	2020	Change
Revenue	$50,248	$54,391	-0.1%
Expenses	$77,184	$72,609	+0.1%
Net Income	$-26,936	$-18,218	+0.5%

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

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

$107,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Wendy McCaig	Executive Director	40	Director Highest	$53,600	$53,600	$107,200
Don Reich	Board Member	1	Director	$0	$0	$0
Chris Bennett	Board Member	1	Director	$0	$0	$0
Patricia Carcaise-Edinboro	Board Member	1	Director	$0	$0	$0
John Maher	President	1	Officer	$0	$0	$0
Karen Scherling	Treasurer	1	Officer	$0	$0	$0
Susan Custer	Secretary	1	Officer	$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
2021	$50,248	$77,184	$530,548	$-26,936
2020	$54,391	$72,609	$540,504	$-18,218

EMBRACE