LOVE INC OF NORTH OAKLAND COUNTY

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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

PATRICIA SCHAPIRA

Phone

2486834357

Tax Period

2025-01-01 to 2025-12-31

LOVE INC OF NORTH OAKLAND COUNTY, founded in 2006, is a small nonprofit in the Religion sector that reported $257K in total revenue in fiscal year 2025. Revenue surged 31% from the prior year, signaling strong growth momentum. Expenses of $236K left a modest 8% surplus.

Mission

A NON-PROFIT COOPERATIVE EFFORT THAT LINKS CHURCHES, VOLUNTEERS, AND SERVICE AGENCIES IN ORDER TO SERVE THE DISADVANTAGED.

Program Service Accomplishments

Program 1

Expenses: $42,809

OPERATION OF CLEARING HOUSE TO HELP PEOPLE IN NEED CONNECT WITH RESOURCES TO AID THEIR NEEDS.

Program 2

Expenses: $34,168 Revenue: $29,342

PROVIDING ASSISTANCE TO INDIVIDUALS IN NEED.

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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 $242,634

Program Service Revenue $14,458

Investment Income $0

Other Revenue $0

TOTAL REVENUE $257,092

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,822

Fundraising Expenses $27,737

Program Expenses $76,977

Other Expenses $49,902

TOTAL EXPENSES $236,461

Year-over-Year Comparison

	2025	2024	Change
Revenue	$257,092	$196,690	+0.3%
Expenses	$236,461	$218,359	+0.1%
Net Income	$20,631	$-21,669	-2.0%

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

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

$59,706

Total Directors

$136,130

Key Employees

$99,066

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICIA SCHAPIRA	EXECUTIVE DIRECTOR	5.00	Officer Director Key Emp	$59,706	$0	$59,706
BARBARA LEMKE	DEVELOPMENT COORDINATOR	2.00	Director Key Emp	$39,360	$0	$39,360
KAREN GULLY	CONNECTION CENTER COORDINATOR	2.00	Director	$37,064	$0	$37,064
DENISE DESCHAINE ZUKE	CHAIR	5.00	Officer Director	$0	$0	$0
MATTHEW SHELL	TREASURER DIRECTOR	3.00	Officer Director	$0	$0	$0
TRACY GREIB	DIRECTOR SECRETARY	2.00	Officer Director	$0	$0	$0
DAVID POTTER	DIRECTOR VICE CHAIR	2.00	Officer Director	$0	$0	$0
DAVID LAVASSEUR	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
MARGIE BRYCE	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
LINDA CRANE	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
RON HINES	BOARD OF DIRECTORS	2.00	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	$257,092	$236,461	$69,096	$20,631
2024	$196,690	$218,359	$45,060	$-21,669
2023	$235,763	$241,793	$67,671	$-6,030
2022	$154,749	$173,194	$76,800	$-18,445
2021	$133,537	$157,824	$95,245	$-24,287
2020	$222,397	$196,678	$95,527	$25,719