ZOE INC (EIN 223245436) - 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

1993

Legal Domicile

Principal Officer

Gloria Benson

Phone

2075941616

Tax Period

2020-01-01 to 2020-12-31

ZOE INC, founded in 1993, is a small nonprofit in the Health Care sector that reported $159K in total revenue in fiscal year 2020. Revenue surged 99% from the prior year, signaling strong growth momentum. The organization ran a surplus of $65K, a strong 41% operating margin.

Mission

Counseling and support related to pregnancy, primarily educational and material services; providing a safety net for women and families in Knox, Waldo, & northern Lincoln counties in Maine.

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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 (2020)

Revenue Breakdown

Contributions & Grants $114,916

Program Service Revenue $0

Investment Income $44,355

Other Revenue $0

TOTAL REVENUE $159,271

Expense Breakdown

Grants Paid $0

Salaries & Benefits $61,899

Fundraising Expenses $2,274

Program Expenses $78,960

Other Expenses $32,741

TOTAL EXPENSES $94,640

Year-over-Year Comparison

	2020	2019	Change
Revenue	$159,271	$79,952	+1.0%
Expenses	$94,640	$71,663	+0.3%
Net Income	$64,631	$8,289	+6.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN PEASLEE	PRESIDENT	2.00	Officer Director	$0	$0	$0
CHELSEA BLAIS	V PRESIDENT	1.00	Officer Director	$0	$0	$0
GLORIA BENSON	TREASURER	2.00	Officer Director	$0	$0	$0
WENDY PELLETIER	SECRETARY	1.00	Officer Director	$0	$0	$0
MATTHEW CROSSMAN	DIRECTOR	1.00	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
2020	$159,271	$94,640	$253,466	$64,631

ZOE INC