YWCA OF BRADFORD ENDOWMENT FUND (EIN 306041794) - 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

1911

Legal Domicile

Principal Officer

ANGELA ERWAY

Tax Period

2023-07-01 to 2024-06-30

YWCA OF BRADFORD ENDOWMENT FUND, founded in 1911, is a small nonprofit in the Education sector that reported $424K in total revenue in fiscal year 2023. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 156% operating deficit.

Mission

TO PROVIDE SUPPORT TO THE YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF BRADFORD, A NON-PROFIT ORGANIZATION LOCATED IN BRADFORD, PA. THE ASSOCIATION IS DEDICATED TO ELIMINATING RACISM,(CONTINUED ON SCHEDULE O)

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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 $50,203

Program Service Revenue $0

Investment Income $79,480

Other Revenue $294,774

TOTAL REVENUE $424,457

Expense Breakdown

Grants Paid $1,058,630

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,073,284

Other Expenses $27,956

TOTAL EXPENSES $1,086,586

Year-over-Year Comparison

	2023	2022	Change
Revenue	$424,457	$557,633	-0.2%
Expenses	$1,086,586	$1,391,722	-0.2%
Net Income	$-662,129	$-834,089	-0.2%

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

N/A

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

$72,483

Total Directors

$72,483

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VANESSA CASTANO LEFT 82024	EXECUTIVE DI	1.00	Officer Director	$0	$7,109	$72,483
ANGELA ERWAY JOINED 92024	EXECUTIVE DI	1.00	Officer Director	$0	$0	$0
VICKIE BAKER	DIRECTOR	1.00	Director	$0	$0	$0
KATHERINE RANDALL	PRESIDENT	1.00	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	$424,457	$1,086,586	$2,583,362	$-662,129
2023	$557,633	$1,391,722	$2,859,991	$-834,089
2022	$208,764	$101,701	$3,833,903	$107,063
2021	$1,169,238	$27,105	$4,459,811	$1,142,133
2020	$53,541	$92,339	$2,639,499	$-38,798
2019	$67,284	$225,184	$2,598,484	$-157,900

YWCA OF BRADFORD ENDOWMENT FUND