KEEPING FAMILIES COVERED (EIN 273434770) - 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

ANN MARIE MATHIS

Phone

2246371644

Tax Period

2025-01-01 to 2025-12-31

KEEPING FAMILIES COVERED, founded in 2010, is a small nonprofit in the Human Services sector that reported $985K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year.

Mission

PROVIDE UNDERPRIVILEGED MOTHERS AND CHILDREN WITH GENTLY USED CLOTHING, BOOKS AND OTHER ESSENTIALS FREE OF CHARGE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $958,201

Program Service Revenue $0

Investment Income $7

Other Revenue $27,135

TOTAL REVENUE $985,343

Expense Breakdown

Grants Paid $588,589

Salaries & Benefits $234,448

Fundraising Expenses $70,334

Program Expenses $904,952

Other Expenses $259,136

TOTAL EXPENSES $1,082,173

Year-over-Year Comparison

	2025	2024	Change
Revenue	$985,343	$1,152,511	-0.1%
Expenses	$1,082,173	$1,018,550	+0.1%
Net Income	$-96,830	$133,961	-1.7%

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

924

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

$80,000

Total Directors

$80,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN MARIE MATHIS	EXECUTIVE DIRECTOR	45.00	Officer Director	$80,000	$0	$80,000
KATE SOBOLAK	DIRECTOR	4.00	Director	$0	$0	$0
ANGELA CASTANEDA	DIRECTOR	4.00	Director	$0	$0	$0
HEATHER NORDIN	DIRECTOR	4.00	Director	$0	$0	$0
SUSAN RAPPIN	DIRECTOR	4.00	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
2025	$985,343	$1,082,173	$1,214,351	$-96,830
2024	$1,152,511	$1,018,550	$1,315,237	$133,961
2023	$1,133,361	$912,867	$1,186,822	$220,494
2022	$1,008,834	$803,291	$959,062	$205,543
2021	$590,460	$796,599	$750,908	$-206,139
2020	$1,564,318	$890,957	$951,261	$673,361
2019	$396,650	$321,077	$279,045	$75,573
2018	$193,712	$210,090	$203,472	$-16,378

KEEPING FAMILIES COVERED