LIVING OUR VISIONS INC dba LOV Inc (EIN 273289163) - 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

2016

Legal Domicile

Principal Officer

Laurie Howard

Phone

6085775132

Tax Period

2023-01-01 to 2023-12-31

LIVING OUR VISIONS INC dba LOV Inc, founded in 2016, is a small nonprofit in the Health Care sector that reported $537K in total revenue in fiscal year 2023. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $805K exceeded revenue, resulting in a 50% operating deficit.

Mission

TO UNITE PEOPLE WITH DEVELOPMENTAL DISABILITIES TO ENGAGE AND BUILD THEIR BEST LIVES.

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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 $294,105

Program Service Revenue $239,308

Investment Income $3,244

Other Revenue $0

TOTAL REVENUE $536,657

Expense Breakdown

Grants Paid $0

Salaries & Benefits $553,614

Fundraising Expenses $49,871

Program Expenses $637,945

Other Expenses $251,341

TOTAL EXPENSES $804,955

Year-over-Year Comparison

	2023	2022	Change
Revenue	$536,657	$872,858	-0.4%
Expenses	$804,955	$564,328	+0.4%
Net Income	$-268,298	$308,530	-1.9%

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

$69,120

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEFANIE PRIMM	Executive Dir.	40.00	Officer	$69,120	$0	$69,120
RABHA ELFARRA	Director	1.00	Director	$0	$0	$0
ANNE MORGAN GIROUX	Director	1.00	Director	$0	$0	$0
JEANNE STERKEN	Director	1.00	Director	$0	$0	$0
ANDREW TURNER	Director	1.00	Director	$0	$0	$0
TONYA BRITO	Director	1.00	Director	$0	$0	$0
SHERI EDISON	Director	1.00	Director	$0	$0	$0
LAURIE HOWARD	President	2.00	Officer Director	$0	$0	$0
JULIE BURISH	Vice President	2.00	Officer Director	$0	$0	$0
COLLEEN PENWELL	Director	1.00	Director	$0	$0	$0
Barb McPherson	Treasurer	2.00	Officer Director	$0	$0	$0
Alex Lena	Director	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	No data	No data	No data	No data
2023	$536,657	$804,955	$361,504	$-268,298
2022	$872,858	$564,328	$627,394	$308,530
2021	$450,671	$402,302	$334,422	$48,369
2020	$376,946	$345,578	$257,414	$31,368
2019	$311,631	$286,151	$225,737	$25,480

LIVING OUR VISIONS INC dba LOV Inc