Surf For Life (EIN 262527261) - 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

2008

Principal Officer

Debbie Fox

Phone

7077877714

Tax Period

2019-01-01 to 2019-12-31

Surf For Life, founded in 2008, is a small nonprofit in the International Affairs sector that reported $216K in total revenue in fiscal year 2019. The organization ran a surplus of $44K, a strong 20% operating margin.

Mission

Surf for Life sponsors educational and community driven development projects. The mission is to assemble teams of 'volun-tourists' to travel to various project sites where they serve as hands-on workers and goodwill advocates.

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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 $211,436

Program Service Revenue $4,832

Investment Income $0

Other Revenue $0

TOTAL REVENUE $216,268

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,440

Fundraising Expenses $2,873

Program Expenses $163,330

Other Expenses $153,512

TOTAL EXPENSES $171,952

Year-over-Year Comparison

	2019	2018	Change
Revenue	$216,268	$201,753	+0.1%
Expenses	$171,952	$166,930	+0.0%
Net Income	$44,316	$34,823	+0.3%

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

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

$18,440

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Debbie Fox	Director	4.00	Officer	$18,440	$0	$18,440
Jonathan Sofer	Director	4.00	Director	$0	$0	$0
Bo Fox	Director	4.00	Director	$0	$0	$0
Lara Buros	Director	4.00	Director	$0	$0	$0
Michelle Bagnato	Secretary	4.00	Director	$0	$0	$0
Chris Fox	Director	4.00	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	$216,268	$171,952	$63,536	$44,316
2018	$201,753	$166,930	$105,711	$34,823

Surf For Life