REFUGE FOR WOMEN INC

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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

2009

Legal Domicile

Principal Officer

ABBY GERMER

Phone

9403310042

Tax Period

2024-01-01 to 2024-12-31

REFUGE FOR WOMEN INC, founded in 2009, is a community nonprofit in the Housing & Shelter sector that reported $4.4M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion.

Mission

REFUGE FOR WOMEN INC IS A FAITH-BASED ORGANIZATION THAT PROVIDES HOUSING, COUNSELING, AND LIFE AND WORK SKILLS TRAINING FOR WOMEN WHO HAVE ESCAPED HUMAN TRAFFICKING OR SEXUAL EXPLOITATION.

Program Service Accomplishments

Program 1

Expenses: $2,876,859 Revenue: $4,365,367

REFUGE FOR WOMEN IS A NON-PROFIT, FAITH BASED ORGANIZATION PROVIDING SPECIALIZED MULTI-YEAR HOUSING SOLUTIONSINCLUDING EMERGENCY, LONG-TERM, AND TRANSITIONAL LIVINGFOR WOMEN WHO HAVE ESCAPED HUMAN...

REFUGE FOR WOMEN IS A NON-PROFIT, FAITH BASED ORGANIZATION PROVIDING SPECIALIZED MULTI-YEAR HOUSING SOLUTIONSINCLUDING EMERGENCY, LONG-TERM, AND TRANSITIONAL LIVINGFOR WOMEN WHO HAVE ESCAPED HUMAN TRAFFICKING OR SEXUAL EXPLOITATION. WITH MULTIPLE LOCATIONS ACROSS THE U.S., REFUGE FOR WOMEN OFFERS SAFE HOUSING AT NO CHARGE TO THE RESIDENT, WITH 24/7 CARE AS CLIENTS PROGRESS THROUGH EVIDENCE-BASED, TRAUMA-INFORMED PROGRAMMING. THEY STRIVE TO HELP EACH WOMAN COMPLETE THE PROGRAM WITH A VISION FOR HER FUTURE, EQUIPPED TO SUCCEED AND SUSTAIN A LIFE MARKED BY DIGNITY AND HOPE.

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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 $4,226,478

Program Service Revenue $13,092

Investment Income $0

Other Revenue $126,334

TOTAL REVENUE $4,365,904

Expense Breakdown

Grants Paid $100,954

Salaries & Benefits $3,070,778

Fundraising Expenses $718,167

Program Expenses $2,876,859

Other Expenses $1,396,176

TOTAL EXPENSES $4,567,908

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,365,904	$3,657,162	+0.2%
Expenses	$4,567,908	$4,309,472	+0.1%
Net Income	$-202,004	$-652,310	-0.7%

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

$131,939

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ABBY GERMER	PRESIDENT	40.00	Officer	$100,183	$31,756	$131,939
MARTY LAMB	DIRECTOR	3.00	Director	$0	$0	$0
RICHARD HARRIS	DIRECTOR	3.00	Director	$0	$0	$0
TAMMY MCCORD	DIRECTOR	3.00	Director	$0	$0	$0
TODD VEIRS	SECRETARY	4.00	Officer Director	$0	$0	$0
KAREN SCHULTZ	TREASURER	4.00	Officer Director	$0	$0	$0
PAT SMITH	CHAIR	4.00	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
2025	No data	No data	No data	No data
2024	$4,365,904	$4,567,908	$5,748,298	$-202,004
2023	$3,657,162	$4,309,472	$5,659,163	$-652,310
2022	$5,157,698	$4,826,822	$5,963,770	$330,876
2022	$5,111,563	$4,695,061	$6,001,270	$416,502
2021	$5,166,887	$3,806,677	$5,442,054	$1,360,210
2020	$3,500,827	$2,803,662	$4,031,943	$697,165