WEST-IN-ARMS INC (EIN 251373736) - 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

1978

Legal Domicile

Principal Officer

HEATHER STEUART

Phone

7245677799

Tax Period

2024-11-01 to 2025-10-31

WEST-IN-ARMS INC, founded in 1978, is a small nonprofit in the Housing & Shelter sector that reported $633K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $104K, a strong 16% operating margin.

Mission

PROVIDING HOUSING, FOOD, AND TRASNPORTATION FOR THE PHYSICALLY HANDICAPPED

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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 $472,972

Program Service Revenue $151,486

Investment Income $8,348

Other Revenue $243

TOTAL REVENUE $633,049

Expense Breakdown

Grants Paid $0

Salaries & Benefits $257,335

Fundraising Expenses $0

Program Expenses $405,742

Other Expenses $271,968

TOTAL EXPENSES $529,303

Year-over-Year Comparison

	2024	2023	Change
Revenue	$633,049	$551,858	+0.1%
Expenses	$529,303	$495,757	+0.1%
Net Income	$103,746	$56,101	+0.8%

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

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

$208,811

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE KOZLOWSKI	PRESIDENT	2.50	Officer Director	$0	$0	$0
BARB FARINA	VICE-PRESIDENT	2.50	Officer Director	$0	$0	$0
DEBRA MASZGAY	SECRETARY	2.50	Officer Director	$0	$0	$0
BRANDON PACCHIONI	TREASURER	2.50	Officer Director	$0	$0	$0
JUDITH DUXBURY	EXECUTIVE DIRECTOR (TO 6/30/25)	35.00	Officer	$48,288	$16,231	$117,076
HEATHER STEUART	EXECUTIVE DIRECTOR (7/1/25)	40.00	Officer	$14,537	$11,171	$91,735
PATRICIA HOLLINGER	BOARD MEMBER	1.00	Director	$0	$0	$0
EMILIA PACCHIONI	BOARD MEMBER	1.00	Director	$0	$0	$0
CALVIN DEEMER	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSEPH RUSNAK	BOARD MEMBER	1.00	Director	$0	$0	$0
POLLY MAYURIC	BOARD MEMBER	1.00	Director	$0	$0	$0
CARLA KOLENY	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSHUA FREEMAN	BOARD MEMBER	1.00	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	$633,049	$529,303	$625,665	$103,746
2024	$551,858	$495,757	$520,668	$56,101
2023	$525,447	$491,755	$452,308	$33,692
2022	$502,290	$464,004	$439,757	$38,286
2021	$508,803	$462,506	$407,257	$46,297
2020	$467,803	$423,473	$357,426	$44,330
2019	$481,161	$447,977	$321,383	$33,184
2018	$453,707	$414,719	$327,349	$38,988

WEST-IN-ARMS INC