Living Goods (EIN 205010527) - 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

2006

Legal Domicile

Principal Officer

Elizabeth Jarman

Phone

4154303575

Tax Period

2023-01-01 to 2023-12-31

Living Goods, founded in 2006, is a mid-sized nonprofit in the International Affairs sector that reported $17.5M in total revenue in fiscal year 2023. Revenue fell 59% from the prior year — a significant decline worth monitoring. Expenses of $23.7M exceeded revenue, resulting in a 36% operating deficit.

Mission

HARNESSING MICRO ENTREPRENEURS TO DELIVER HEALTH EDUCATION AND LIFE-CHANGING PRODUCTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $16,754,347

Program Service Revenue $0

Investment Income $735,340

Other Revenue $0

TOTAL REVENUE $17,489,687

Expense Breakdown

Grants Paid $15,996,680

Salaries & Benefits $2,876,280

Fundraising Expenses $1,579,696

Program Expenses $19,636,246

Other Expenses $4,849,186

TOTAL EXPENSES $23,722,146

Year-over-Year Comparison

	2023	2022	Change
Revenue	$17,489,687	$42,704,688	-0.6%
Expenses	$23,722,146	$24,148,330	0.0%
Net Income	$-6,232,459	$18,556,358	-1.3%

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

$408,074

Total Directors

Key Employees

$376,399

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH ANN JARMAN	CEO/OFFICER	32.0	Officer	$247,500	$0	$247,500
LISA B MCANDLESS	EXECUTIVE DIRECTOR USA	40.0	Key Emp	$203,507	$0	$203,507
MANDY FOLSE	CHIEF OF STAFF	40.0	Key Emp	$172,892	$0	$172,892
SONJA KOTZE	CHIEF FINANCIAL OFFICER	32.0	Officer	$160,574	$0	$160,574
ABIOT FREW	HR DIRECTOR US	40.0	Highest	$140,678	$0	$140,678
LAURA MAPP	Deputy Director Business Devel	40.0	Highest	$128,639	$0	$128,639
Sarah E Riczo	Director Business Development	40.0	Highest	$116,122	$0	$116,122
KENDRA STEEL	Deputy Director Major Gifts	40.0	Highest	$104,781	$0	$104,781
SARAH LINDSAY	Deputy Director Advocacy	40.0	Highest	$103,814	$0	$103,814
CHARLES SLAUGHTER	FOUNDER, CHAIR	2.0	Officer Director	$0	$0	$0
CHERYL M SCOTT	VICE BOARD CHAIR	2.0	Officer Director	$0	$0	$0
ANITA CATTREL	DIRECTOR	2.0	Director	$0	$0	$0
DOUGAL FREEMAN	DIRECTOR	2.0	Director	$0	$0	$0
PAPE GAYE	DIRECTOR	2.0	Director	$0	$0	$0
ANNA HAKOBYAN	DIRECTOR	2.0	Director	$0	$0	$0
DR JOANNE PETER	DIRECTOR	2.0	Director	$0	$0	$0
DR MPHU RAMATLAPENG	DIRECTOR	2.0	Director	$0	$0	$0
SOLOMON ZEWDU	DIRECTOR	2.0	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
2024	No data	No data	No data	No data
2023	$17,489,687	$23,722,146	$38,143,737	$-6,232,459
2022	$42,704,688	$24,148,330	$44,914,840	$18,556,358
2021	$27,387,443	$26,104,412	$25,335,492	$1,283,031
2019	$27,965,864	$20,938,080	$17,420,803	$7,027,784
2018	$21,323,637	$20,371,283	$10,448,686	$952,354

Living Goods