CHILD FEDERATION OF ATLANTIC CITY (EIN 210634525) - 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

1923

Legal Domicile

Principal Officer

ROSEMARY FINAN

Tax Period

2018-01-01 to 2018-12-31

CHILD FEDERATION OF ATLANTIC CITY, founded in 1923, is a micro nonprofit that reported $25K in total revenue in fiscal year 2018. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $163K exceeded revenue, resulting in a 550% operating deficit.

Mission

CHILD WELL CARE

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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 (2018)

Revenue Breakdown

Contributions & Grants $24,158

Program Service Revenue $0

Investment Income $983

Other Revenue $0

TOTAL REVENUE $25,141

Expense Breakdown

Grants Paid $0

Salaries & Benefits $63,606

Fundraising Expenses $0

Program Expenses $160,698

Other Expenses $99,859

TOTAL EXPENSES $163,465

Year-over-Year Comparison

	2018	2017	Change
Revenue	$25,141	$99,556	-0.7%
Expenses	$163,465	$116,321	+0.4%
Net Income	$-138,324	$-16,765	+7.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDY DALE	TRUSTEE	0.00	Director	$0	$0	$0
LORA CONSTANTINE	TRUSTEE	0.00	Director	$0	$0	$0
JUDY STARK	TRUSTEE	0.00	Director	$0	$0	$0
ANNAMARIA MILHOUS	TRUSTEE	0.00	Director	$0	$0	$0
FRAN KRAUS	TRUSTEE	0.00	Director	$0	$0	$0
ANA SPENCER	SECRETARY	0.00	Director	$0	$0	$0
ROSEMARY FINAN	EXEC DIRECTOR	40.00	Officer	$0	$0	$0
KATHY URBAN	TREASURER	0.00	Officer	$0	$0	$0
LINDA STRAUBMILLER	PRESIDENT	0.00	Officer	$0	$0	$0
GAYLE ACKERMAN	VP	0.00	Officer	$0	$0	$0
KATHERINE MURRAY	TRUSTEE	0.00	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
2018	$25,141	$163,465	No data	$-138,324

CHILD FEDERATION OF ATLANTIC CITY