TALK INC (EIN 233064295) - 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

2001

Legal Domicile

Principal Officer

KRISTEN TABUN EDD

Phone

6106565566

Tax Period

2024-09-01 to 2025-08-31

TALK INC, founded in 2001, is a community nonprofit in the Human Services sector that reported $2.7M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $2.4M left a modest 10% surplus.

Mission

SPEECH AND LANGUAGE SCHOOL INCLUDING ACADEMICS AND INTENSIVE THERAPIES INTEGRATED THROUGHOUT THE DAY.

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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 $462,831

Program Service Revenue $2,184,657

Investment Income $7,950

Other Revenue $41,527

TOTAL REVENUE $2,696,965

Expense Breakdown

Grants Paid $156,715

Salaries & Benefits $1,770,813

Fundraising Expenses $7,001

Program Expenses $1,965,193

Other Expenses $508,868

TOTAL EXPENSES $2,436,396

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,696,965	$2,482,877	+0.1%
Expenses	$2,436,396	$2,391,883	+0.0%
Net Income	$260,569	$90,994	+1.9%

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

$79,253

Total Directors

$79,253

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON BORRELLI	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
MELINDA KOTLER	SECRETARY	1.00	Officer Director	$74,730	$4,523	$79,253
JOSE FERNANDEZ	FINANCE CHAIR	1.00	Director	$0	$0	$0
MARTIN KOTLER	TRUSTEE	1.00	Director	$0	$0	$0
LOUISE SARUK	TRUSTEE	1.00	Director	$0	$0	$0
MARIA GOODINE	TRUSTEE	1.00	Director	$0	$0	$0
JAN GILLESPIE	TRUSTEE	1.00	Director	$0	$0	$0
SUZANNE FERNANDEZ	TRUSTEE	1.00	Director	$0	$0	$0
LISA RUSSELL	DIRECTOR OF OCCUPATIONAL THERAPY	40.00	Highest	$106,180	$3,267	$109,447

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	$2,696,965	$2,436,396	$4,197,553	$260,569
2024	$2,482,877	$2,391,883	$3,946,510	$90,994
2023	$2,809,245	$3,045,415	$4,346,731	$-236,170
2022	$2,371,583	$2,519,557	$4,423,096	$-147,974
2022	$177,958	$213,550	$4,288,709	$-35,592
2021	No data	$28,688	$1,390,355	No data
2021	$2,330,457	$2,496,068	$4,682,796	$-165,611
2020	$2,674,665	$2,334,450	$5,253,627	$340,215
2019	$1,796,699	$1,670,150	$1,488,263	$126,549
2018	$1,624,375	$1,791,658	$1,304,038	$-167,283

TALK INC