JOY OF GIVING INCORPORATED (EIN 273437889) - 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

LINDY NADING

Phone

8123462048

Tax Period

2025-01-01 to 2025-12-31

JOY OF GIVING INCORPORATED, founded in 2010, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $108K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. The organization ran a surplus of $42K, a strong 39% operating margin.

Mission

TO ASSIST INDIVIDUALS AND/OR FAMILIES THAT HAVE DEMONSTRATED A NEED FOR FINANCIAL OR OTHER ASSISTANCE BY PROVIDING FOOD, CLOTHING, HOUSEHOLD GOODS, PERSONAL CARE ITEMS AND HOLIDAY GIFTS.

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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 $111,278

Program Service Revenue $0

Investment Income $6,984

Other Revenue $-10,525

TOTAL REVENUE $107,737

Expense Breakdown

Grants Paid $62,412

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $62,412

Other Expenses $3,466

TOTAL EXPENSES $65,878

Year-over-Year Comparison

	2025	2024	Change
Revenue	$107,737	$118,465	-0.1%
Expenses	$65,878	$97,504	-0.3%
Net Income	$41,859	$20,961	+1.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDY NADING	PRESIDENT	3.00	Officer Director	$0	$0	$0
DEREK KINTNER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
SUSAN GRAHAM	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
JAMES EULER	DIRECTOR	2.00	Director	$0	$0	$0
LINDA HARMON	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM A HARMON	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM B HARMON	DIRECTOR	2.00	Director	$0	$0	$0
HAILEE HARMON WINGATE	DIRECTOR	2.00	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	$107,737	$65,878	$337,131	$41,859
2024	$118,465	$97,504	$295,272	$20,961
2023	$146,507	$92,739	$274,311	$53,768
2022	$102,096	$107,144	$220,543	$-5,048
2021	$173,864	$94,461	$225,591	$79,403
2020	$36,144	$94,442	$146,188	$-58,298
2019	$88,159	$61,863	$204,486	$26,296
2018	$104,724	$67,898	$178,190	$36,826

JOY OF GIVING INCORPORATED