JEWEL WOMEN'S CENTER

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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

1999

Legal Domicile

Principal Officer

CHERYL CRESSWELL

Phone

5706247244

Tax Period

2024-01-01 to 2024-12-31

JEWEL WOMEN'S CENTER, founded in 1999, is a small nonprofit in the Health Care sector that reported $324K in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. Expenses of $286K left a modest 12% surplus.

Mission

PROVISION OF SERVICES TO INDIVIDUALS FACING AN UNINTENTIONAL OR CRISIS PREGNANCY.

Program Service Accomplishments

Program 1

Expenses: $222,568

SERVICES ARE PROVIDED TO INDIVIDUALS AND FAMILIES AT RISK FOR OR FACING AN UNINTENTIONAL OR CRISIS PREGNANCY, INCLUDING EDUCATIONAL PROGRAMS FOR TEENS, PREGNANCY TESTING, ULTRASOUND SERVICES...

SERVICES ARE PROVIDED TO INDIVIDUALS AND FAMILIES AT RISK FOR OR FACING AN UNINTENTIONAL OR CRISIS PREGNANCY, INCLUDING EDUCATIONAL PROGRAMS FOR TEENS, PREGNANCY TESTING, ULTRASOUND SERVICES, MATERIAL RESOURCES, PREGNANCY, PARENTING, RELATIONSHIP AND LIFE SKILLS CLASSES, PEER COUNSELING AS NEEDED, AND LOCAL REFERRALS FOR OTHER NECESSARY SERVICES. ORGANIZATIONAL MISSION WAS ACCOMPLISHED BY APPROXIMATELY TENTY (20) VOLUNTEERS AND SIX (6) PART-TIME EMPLOYEES. IN 2024, 148 INDIVIDUAL CLIENTS WERE SERVED WITH A TOTAL OF 698 CLIENT VISITS TO THE CENTER FOR THE VARIOUS SERVICES LISTED ABOVE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $325,817

Program Service Revenue $0

Investment Income $22

Other Revenue $-1,906

TOTAL REVENUE $323,933

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,468

Fundraising Expenses $35,881

Program Expenses $222,568

Other Expenses $126,237

TOTAL EXPENSES $285,705

Year-over-Year Comparison

	2024	2023	Change
Revenue	$323,933	$247,504	+0.3%
Expenses	$285,705	$253,951	+0.1%
Net Income	$38,228	$-6,447	-6.9%

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

$33,462

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERYL CRESSWELL	EXECUTIVE DI	25.00	Officer	$33,462	$0	$33,462
CONNIE WRIGHT	PRESIDENT	N/A	Officer Director	$0	$0	$0
KAREN BENSINGER	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
DENISE RESSLER	TREASURER	N/A	Officer Director	$0	$0	$0
MARY ELLEN KLEBE	SECRETARY	N/A	Officer Director	$0	$0	$0
DENISE BRESLIN	MEMBER	N/A	Director	$0	$0	$0
STEPHANIE COOK	MEMBER	N/A	Director	$0	$0	$0
HEIDI FOX	MEMBER	N/A	Director	$0	$0	$0
SHELBY HOSTETTER	MEMBER	N/A	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	$323,933	$285,705	$209,329	$38,228
2023	$247,504	$253,951	$217,060	$-6,447
2022	$233,006	$224,024	$224,112	$8,982
2021	$204,498	$197,649	$219,443	$6,849
2020	$192,377	$136,049	$216,581	$56,328