Evergreen Financial Counseling (EIN 271336063) - 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

Philip Tirone

Phone

6098052240

Tax Period

2024-01-01 to 2024-12-31

Evergreen Financial Counseling, founded in 2010, is a small nonprofit in the Human Services sector that reported $523K in total revenue in fiscal year 2024. Revenue surged 643% from the prior year, signaling strong growth momentum. The organization ran a surplus of $150K, a strong 29% operating margin.

Mission

Credit and debt education and counseling via telephone and internet . This education is approved by the US Trustees office in most states and is in compliance with the US Bankruptcy Code requirements

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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 $0

Program Service Revenue $523,239

Investment Income $0

Other Revenue $0

TOTAL REVENUE $523,239

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,656

Fundraising Expenses $5,555

Program Expenses $352,147

Other Expenses $299,318

TOTAL EXPENSES $372,974

Year-over-Year Comparison

	2024	2023	Change
Revenue	$523,239	$70,450	+6.4%
Expenses	$372,974	$121,171	+2.1%
Net Income	$150,265	$-50,721	-4.0%

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

$73,656

Total Directors

$73,656

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rebecca Snyder	Compliance Officer	010.00	Officer Director	$73,656	$0	$73,656
Sean Mawhinney	Chairman	002.00	Officer Director	$0	$0	$0
Kelly Overton	Secretary	000.50	Officer Director	$0	$0	$0
Natalie Fleurat	Treasurer	000.50	Officer Director	$0	$0	$0
Jonas Ash	Board Member	000.50	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
2024	$523,239	$372,974	$313,369	$150,265

Evergreen Financial Counseling