Pearls Unlimited Inc (EIN 260314060) - 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

2004

Legal Domicile

Principal Officer

Aeriaka Jacobs

Phone

2137035719

Tax Period

2019-01-01 to 2019-12-31

Pearls Unlimited Inc, founded in 2004, is a small nonprofit in the Human Services sector that reported $525K in total revenue in fiscal year 2019.

Mission

Pearls Unlimited, Inc. provides enhanced quality of life opportunities to at risk populations that will empower and maximize their quality of life through access to educational resources and mentoring; This includes the disadvantaged, disabled, youth and aging populations.

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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 $30,000

Program Service Revenue $494,607

Investment Income $0

Other Revenue $0

TOTAL REVENUE $524,607

Expense Breakdown

Grants Paid $0

Salaries & Benefits $258,226

Fundraising Expenses $0

Program Expenses $425,032

Other Expenses $262,547

TOTAL EXPENSES $520,773

Year-over-Year Comparison

	2019	2018	Change
Revenue	$524,607	$494,067	+0.1%
Expenses	$520,773	$490,690	+0.1%
Net Income	$3,834	$3,377	+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

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
Aeriaka Jacobs	President	40.00	Officer Director	$0	$0	$0
Bennie L Jolly III	Director	0.25	Director	$0	$0	$0
Daphne Moyd	Treasurer	5.00	Officer Director	$0	$0	$0
Kenneth Rucker	Director	10.00	Director	$0	$0	$0
Marilyn Penn	Secretary	5.00	Officer Director	$0	$0	$0
Cleve A Jacobs Jr	Director	2.00	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
2019	$524,607	$520,773	$22,639	$3,834
2018	$494,067	$490,690	$28,876	$3,377

Pearls Unlimited Inc