Young Womens Christian Association of Oil City (EIN 251073148) - 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

Tax Period

2024-01-01 to 2024-12-31

Young Womens Christian Association of Oil City is a small nonprofit that reported $316K in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $366K exceeded revenue, resulting in a 16% operating deficit.

Mission

Create Opportunity for women's growth

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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 $170,478

Program Service Revenue $113,383

Investment Income $10,371

Other Revenue $22,004

TOTAL REVENUE $316,236

Expense Breakdown

Grants Paid $0

Salaries & Benefits $198,156

Fundraising Expenses $1,981

Other Expenses $168,338

TOTAL EXPENSES $366,494

Year-over-Year Comparison

	2024	2023	Change
Revenue	$316,236	$251,196	+0.3%
Expenses	$366,494	$306,701	+0.2%
Net Income	$-50,258	$-55,505	-0.1%

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

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
Susan Johnson	President	2	Officer Director	$0	$0	$0
Kim Scott	Vice President	2	Officer Director	$0	$0	$0
Glenda Cyphert	Secretary	2	Officer Director	$0	$0	$0
Lisa Siembida	Treasurer	2	Officer Director	$0	$0	$0
Jeanan Deibert	Director	1	Officer	$0	$0	$0
Judy Etzel	Director	1	Officer	$0	$0	$0
Jessica Hoffman	Director	1	Officer	$0	$0	$0
Tricia Kroft	Director	1	Officer	$0	$0	$0
Marie Plummer	Director	1	Officer	$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	$316,236	$366,494	$2,738,919	$-50,258
2023	$251,196	$306,701	$2,789,006	$-55,505
2022	$294,053	$315,309	$2,849,720	$-21,256
2021	$427,388	$267,613	$2,870,035	$159,775
2020	$262,641	$241,261	$2,748,160	$21,380
2019	$295,901	$306,377	$2,658,980	$-10,476
2018	$348,177	$296,603	$2,669,456	$51,574

Young Womens Christian Association of Oil City