JEWELERS 24 KARAT CLUB OF SOUTHERN CALIFORNIA (EIN 237291497) - 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

1944

Legal Domicile

Phone

3103756300

Tax Period

2019-01-01 to 2019-12-31

JEWELERS 24 KARAT CLUB OF SOUTHERN CALIFORNIA, founded in 1944, is a micro nonprofit that reported $10K in total revenue in fiscal year 2019. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $18K exceeded revenue, resulting in a 87% operating deficit.

Mission

ALLOWED MEMBERS AN OPPORTUNITY TO SHARE BUSINESS IDEAS IN THEIR INDUSTRY.

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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 (2019)

Revenue Breakdown

Contributions & Grants $8,970

Program Service Revenue $0

Investment Income $0

Other Revenue $596

TOTAL REVENUE $9,566

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,920

Fundraising Expenses $0

Other Expenses $3,966

TOTAL EXPENSES $17,886

Year-over-Year Comparison

	2019	2018	Change
Revenue	$9,566	$14,839	-0.4%
Expenses	$17,886	$20,790	-0.1%
Net Income	$-8,320	$-5,951	+0.4%

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

N/A

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

$13,920

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARLOWE KEPNER	Executive Direc	10.00	Director	$13,920	$0	$13,920
KAREN SIGNORINO	President	1.00	Officer Director	$0	$0	$0
SILVIA RAZ	Vice President	1.00	Officer Director	$0	$0	$0
JUDI SHECHTER	Secretary	0.00	Director	$0	$0	$0
KELLY LaROSA	Treasurer	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
2019	$9,566	$17,886	$49,306	$-8,320
2018	$14,839	$20,790	$57,706	$-5,951

JEWELERS 24 KARAT CLUB OF SOUTHERN CALIFORNIA