THE COLLECTIVE THREAD (EIN 271334567) - 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

THERESA STIPANOVICH

Phone

3145605802

Tax Period

2024-01-01 to 2024-12-31

THE COLLECTIVE THREAD, founded in 2010, is a small nonprofit in the Religion sector that reported $251K in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $553K exceeded revenue, resulting in a 121% operating deficit.

Mission

A LOCAL MISSION THAT EMPOWERS WOMEN THROUGH WORK.

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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 $160,653

Program Service Revenue $206,396

Investment Income $-116,300

Other Revenue $0

TOTAL REVENUE $250,749

Expense Breakdown

Grants Paid $0

Salaries & Benefits $251,077

Fundraising Expenses $34,686

Program Expenses $404,168

Other Expenses $302,270

TOTAL EXPENSES $553,347

Year-over-Year Comparison

	2024	2023	Change
Revenue	$250,749	$441,038	-0.4%
Expenses	$553,347	$566,357	0.0%
Net Income	$-302,598	$-125,319	+1.4%

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

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

$52,000

Total Directors

$52,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THERESA STIPANOVICH	Treasurer	40.00	Officer Director	$52,000	$0	$52,000
JANENE BERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
IZZY POLANCO	BOARD MEMBER	1.00	Director	$0	$0	$0
SUZANNE SIERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
SADIE MONTGOMERY	Secretary	1.00	Officer Director	$0	$0	$0
PAULIE GIBSON	BOARD MEMBER	1.00	Director	$0	$0	$0
KIMBERLEY VUITEL	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
2024	$250,749	$553,347	No data	$-302,598
2023	$441,038	$566,357	$341,196	$-125,319
2022	$613,130	$653,252	$459,453	$-40,122
2021	$579,982	$487,544	$491,489	$92,438
2020	$756,033	$417,882	$442,655	$338,151

THE COLLECTIVE THREAD