KETTERS REPRESENTATIVE PAYEE SERVICE (EIN 264487225) - 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

2010

Legal Domicile

Principal Officer

Gwendolyn Ketter

Phone

7852722658

Tax Period

2023-01-01 to 2023-12-31

KETTERS REPRESENTATIVE PAYEE SERVICE, founded in 2010, is a small nonprofit in the Human Services sector that reported $120K in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $116K left a modest 3% surplus.

Mission

Representative payee for SSI and SSDI recipients for account management and expense assistance.

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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 (2023)

Revenue Breakdown

Contributions & Grants $11,836

Program Service Revenue $108,237

Investment Income $0

Other Revenue $0

TOTAL REVENUE $120,073

Expense Breakdown

Grants Paid $0

Salaries & Benefits $95,013

Fundraising Expenses $865

Program Expenses $115,217

Other Expenses $20,204

TOTAL EXPENSES $116,082

Year-over-Year Comparison

	2023	2022	Change
Revenue	$120,073	$110,739	+0.1%
Expenses	$116,082	$107,948	+0.1%
Net Income	$3,991	$2,791	+0.4%

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

$88,349

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gwendolyn Ketter	President	35	Key Emp	$53,022	$0	$53,022
Carla Butler	Secretary	30	Key Emp	$35,327	$0	$35,327
Larry Brayton	Director	0	Director	$0	$0	$0
Amanda Lutz	Vice Chair	0	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
2024	No data	No data	No data	No data
2023	$120,073	$116,082	$14,502	$3,991
2022	$110,739	$107,948	$10,511	$2,791
2021	$102,496	$101,376	$7,720	$1,120

KETTERS REPRESENTATIVE PAYEE SERVICE