YOUNG WOMEN'S CHRISTIAN ASSOCIATION

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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

1898

Legal Domicile

Principal Officer

LYNN OLANOFF

Phone

6108715060

Tax Period

2023-01-01 to 2023-12-31

YOUNG WOMEN'S CHRISTIAN ASSOCIATION, founded in 1898, is a small nonprofit in the Human Services sector that reported $609K in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $104K, a strong 17% operating margin.

Mission

TO ELIMINATE RACISM, EMPOWER WOMEN, AND PROMOTE PEACE, JUSTICE, FREEDOM, AND DIGNITY FOR ALL.

Program Service Accomplishments

Program 1

Expenses: $299,087

THE PERFECT FIT FOR WORKING WOMEN EMPOWERS WOMEN WITH LIMITED INCOMES ENTERING THE WORKFORCE BY PROVIDING THE CLOTHING AND CONFIDENCE NECESSARY TO SECURE EMPLOYMENT. THE PERFECT FIT SERVES MORE THAN 650 WOMEN EACH YEAR, PROVIDING, ON HER FIRST VISIT, AN OUTFIT APPROPRIATE FOR A JOB INTERVIEW, AND ON HER SECOND APPOINTMENT, A WEEK'S WORTH OF PROFESSIONAL CLOTHING SUITED TO HER NEW CAREER.

Program 2

Expenses: $21,697

THE YWCA ALLENTOWN'S PERFECT FIT RESALE BOUTIQUE OFFERS THE COMMUNITY QUALITY WOMEN'S CLOTHING, SHOES AND ACCESSORIES AT AFFORDABLE PRICES IN A FUN AND WELCOMING SHOPPING ATMOSPHERE AND SUPPORTS THE GROWTH OF DOWNTOWN ALLENTOWN. THROUGH THE PURCHASE OF A GENTLY USED DESIGNER CLOTHING FUNDS PROFESSIONAL DEVELOPMENT COURSES TO HELP JOB SEEKERS GROW A CAREER.

Program 3

Expenses: $41,975

THE YW TECH LAB PROGRAM PROVIDES FREE EDUCATION IN DIGITAL SKILLS TO WOMEN AND PEOPLE OF COLOR, GROUPS THAT HAVE BEEN HISTORICALLY UNDERREPRESENTED IN TECHNOLOGY FIELDS, AND VULNERABLE POPULATIONS...

THE YW TECH LAB PROGRAM PROVIDES FREE EDUCATION IN DIGITAL SKILLS TO WOMEN AND PEOPLE OF COLOR, GROUPS THAT HAVE BEEN HISTORICALLY UNDERREPRESENTED IN TECHNOLOGY FIELDS, AND VULNERABLE POPULATIONS, SUCH AS THOSE UNEMPLOYED OR DISPLACED DUE TO COVID-19, RECENT HIGH SCHOOL OR GED GRADUATES, RETURNING OR NON-TRADITIONAL STUDENTS, AND LOW-WAGE WORKERS. YWCA ALLENTOWN COUPLES THIS PROGRAMMING WITH REFERRALS FOR SUPPORTIVE SERVICES AND JOB COACHING TO ENSURE EACH PARTICIPANT'S SUCCESS.

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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 $620,001

Program Service Revenue $0

Investment Income $37,281

Other Revenue $-48,737

TOTAL REVENUE $608,545

Expense Breakdown

Grants Paid $0

Salaries & Benefits $190,342

Fundraising Expenses $26,982

Program Expenses $386,089

Other Expenses $314,100

TOTAL EXPENSES $504,442

Year-over-Year Comparison

	2023	2022	Change
Revenue	$608,545	$461,597	+0.3%
Expenses	$504,442	$429,798	+0.2%
Net Income	$104,103	$31,799	+2.3%

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

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

$93,289

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA FIGUEROA-SKVASIK	DIRECTOR	5.00	Director	$0	$0	$0
ABIGAIL MARTIN	SECRETARY	5.00	Director	$0	$0	$0
MARGARETHA HAEUSSLER	MEMBER AT LARGE	5.00	Director	$0	$0	$0
RITA ROSARIO	DIRECTOR	5.00	Director	$0	$0	$0
VALERIE PLEISS	TREASURER	5.00	Officer Director	$0	$0	$0
HELEN LAJEAN	DIRECTOR	5.00	Director	$0	$0	$0
NANCY SKOK	DIRECTOR	5.00	Director	$0	$0	$0
JOANNE TRIMPI	SECRETARY	5.00	Officer Director	$0	$0	$0
LYNN OLANOFF	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
CHERYL WATTS	PRESIDENT	5.00	Officer Director	$0	$0	$0
STEPHANIE SHERRY	DIRECTOR	5.00	Director	$0	$0	$0
MADLEN MILLER	DIRECTOR	5.00	Director	$0	$0	$0
LYNN ANNE YORI	DIRECTOR	5.00	Director	$0	$0	$0
SARAH BARRETT	EXECUTIVE DIRECTOR	40.00	Officer	$84,808	$8,481	$93,289

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	$608,545	$504,442	$914,377	$104,103
2022	$461,597	$429,798	$800,058	$31,799
2021	$289,558	$361,944	$747,437	$-72,386
2020	$374,996	$336,795	$843,266	$38,201
2019	$318,784	$368,533	$789,446	$-49,749
2018	$419,881	$291,411	$830,549	$128,470