SALT AND LIGHT NFP (EIN 320074485) - 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

2003

Legal Domicile

Principal Officer

NATHAN MONTGOMERY

Phone

2173555654

Tax Period

2024-01-01 to 2024-12-31

SALT AND LIGHT NFP, founded in 2003, is a community nonprofit in the Human Services sector that reported $2.6M in total revenue in fiscal year 2019. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $2.9M exceeded revenue, resulting in a 13% operating deficit.

Mission

SHARING THE LOVE OF GOD BY PROVIDING OPPORTUNITIES FOR THOSE LIVING IN POVERTY TO EQUIP THEMSELVES WITH THE TOOLS THEY NEED TO CREATE LASTING CHANGE IN THEIR 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 (2024)

Revenue Breakdown

Contributions & Grants $2,344,266

Program Service Revenue $2,659,038

Investment Income $0

Other Revenue $69,219

TOTAL REVENUE $5,072,523

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,740,951

Fundraising Expenses $128,084

Program Expenses $4,608,314

Other Expenses $3,237,347

TOTAL EXPENSES $4,978,298

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,072,523	$5,655,099	-0.1%
Expenses	$4,978,298	$5,188,789	0.0%
Net Income	$94,225	$466,310	-0.8%

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

1322

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

$82,837

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALISON SMITH	CHAIR	4.00	Officer Director	$0	$0	$0
RYAN MAJERES	VICE CHAIR	4.00	Officer Director	$0	$0	$0
DESA PHETCHAREUN	TREASURER	4.00	Officer Director	$0	$0	$0
LAMAR SCHROCK	SECRETARY	4.00	Officer Director	$0	$0	$0
DREW MARTIN	BOARD MEMBER	4.00	Director	$0	$0	$0
JOSUE PERNILLO	BOARD MEMBER	4.00	Director	$0	$0	$0
DAE KANG	BOARD MEMBER	4.00	Director	$0	$0	$0
MARY MCGREW	BOARD MEMBER	4.00	Director	$0	$0	$0
SAM LIMENTATO	BOARD MEMBER	4.00	Director	$0	$0	$0
NATHAN MONTGOMERY	EXECUTIVE DIRECTOR	45.00	Officer	$70,898	$11,939	$82,837

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	$5,072,523	$4,978,298	$3,360,903	$94,225
2023	$3,326,820	$3,356,651	$2,773,699	$-29,831
2023	$5,655,099	$5,188,789	$3,412,816	$466,310
2022	$3,955,090	$3,456,553	$2,849,796	$498,537
2021	$3,260,114	$3,252,407	$895,062	$7,707
2020	$2,983,664	$2,789,023	$891,254	$194,641
2019	$2,572,187	$2,913,492	$766,201	$-341,305

SALT AND LIGHT NFP