JUNIOR LEAGUE OF OWENSBOROINC

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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

1969

Legal Domicile

Principal Officer

JENNIFER VOGEL

Phone

2703022709

Tax Period

2024-06-01 to 2025-05-31

JUNIOR LEAGUE OF OWENSBOROINC, founded in 1969, is a micro nonprofit in the Community Improvement sector that reported $69K in total revenue in fiscal year 2024. Revenue surged 195% from the prior year, signaling strong growth momentum. The organization ran a surplus of $48K, a strong 69% operating margin.

Mission

PROVIDE EDUCATION, TRAINING, AND DEVELOPMENT OF MEMBERS TO FULFILL ITS MISSION OF VOLUNTARISM IN THE COMMUNITY

Program Service Accomplishments

Program 1

Expenses: $2,316 Revenue: $0

VARIOUS PROJECTS, INCLUDING KIDS IN THE KITCHEN AND OTHERS, TO PROMOTE COMMUNITY IMPROVEMENT

Program 2

Expenses: $5,030 Revenue: $0

PROVIDE EDUCATIONS, TRAINING, AND DEVELOPMENT OF MEMBERS TO FULFILL ITS MISSION OF PROMOTING VOLUNTARISM IN THE COMMUNITY

Program 3

Expenses: $6,000 Revenue: $0

SCHOLARSHIPS, GRANTS, AND DONATIONS TO DESERVING WOMEN AND ORGANIZATIONS IN OWENSBORO WHO HAVE CONTRIBUTED TO THEIR COMMUNITY

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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 $6,300

Program Service Revenue $0

Investment Income $44,833

Other Revenue $18,256

TOTAL REVENUE $69,389

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $13,346

Other Expenses $21,536

TOTAL EXPENSES $21,536

Year-over-Year Comparison

	2024	2023	Change
Revenue	$69,389	$23,516	+2.0%
Expenses	$21,536	$24,783	-0.1%
Net Income	$47,853	$-1,267	-38.8%

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

N/A

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
MARIA CLARK	PRESIDENT	1.00	Officer Director	$0	$0	$0
SAMANTHA TAYLOR-KAAI	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
JENNIFER FTACEK	TREASURER	1.00	Officer Director	$0	$0	$0
PAT LOBODA	ASST. TREASURER	1.00	Officer Director	$0	$0	$0
AJ TURNER	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHELLE WHITMER	NOMINATING CHAIR	1.00	Officer 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
2025	$69,389	$21,536	$486,725	$47,853
2024	$23,516	$24,783	$438,872	$-1,267
2023	$32,715	$41,330	$440,136	$-8,615
2022	$49,480	$38,648	$442,256	$10,832
2021	$35,173	$42,027	$436,790	$-6,854
2020	$45,419	$42,323	$311,559	$3,096
2019	$54,815	$29,148	$298,726	$25,667