SAVVY LADIES INC (EIN 320153604) - 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

2005

Legal Domicile

Principal Officer

JUDY HERBST

Phone

6462168988

Tax Period

2023-01-01 to 2023-12-31

SAVVY LADIES INC, founded in 2005, is a small nonprofit in the Human Services sector that reported $581K in total revenue in fiscal year 2023. The organization ran a surplus of $114K, a strong 20% operating margin.

Mission

THE ORGANIZATION HELPS WOMEN ACHIEVE FINANCIAL INDEPENDENCE THROUGH COUNSELING AND EDUCATIONAL PRESENTATIONS.

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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 $473,478

Program Service Revenue $0

Investment Income $253

Other Revenue $106,828

TOTAL REVENUE $580,559

Expense Breakdown

Grants Paid $0

Salaries & Benefits $229,739

Fundraising Expenses $51,838

Program Expenses $299,258

Other Expenses $237,291

TOTAL EXPENSES $467,030

Year-over-Year Comparison

	2023	2022	Change
Revenue	$580,559	$570,381	+0.0%
Expenses	$467,030	$426,706	+0.1%
Net Income	$113,529	$143,675	-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

Volunteers

181

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

$151,914

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STACY FRANCIS	FOUNDER	1.00	Officer Director	$0	$0	$0
AMY HOLZMAN ESQ	DIRECTOR	1.00	Officer Director	$0	$0	$0
PAM MOSCHETTI	DIRECTOR	1.00	Officer Director	$0	$0	$0
MARY STONE	DIRECTOR	1.00	Officer Director	$0	$0	$0
LISA ZEIDERMAN	DIRECTOR	1.00	Officer Director	$0	$0	$0
JEANNE BERGER	DIRECTOR	1.00	Director	$0	$0	$0
SHELLON BLANCHARD-CLARKE	DIRECTOR	1.00	Director	$0	$0	$0
LEE CONTI JR	DIRECTOR	1.00	Director	$0	$0	$0
BERNADETTE HERWARD DAVIDA	DIRECTOR	1.00	Officer Director	$0	$0	$0
PETER FRANK	BOARD TREASURER	1.00	Director	$0	$0	$0
AMY GOLDSMITH	BOARD SECRETARY	1.00	Director	$0	$0	$0
CAROL SCHIRO GREENWALD	DIRECTOR	1.00	Director	$0	$0	$0
RANDI L KARMEL ESQ	DIRECTOR	1.00	Director	$0	$0	$0
MEGHAN MCCARTAN	DIRECTOR	1.00	Director	$0	$0	$0
FIONA A PHILIP	DIRECTOR	1.00	Director	$0	$0	$0
CARRIE RATTLE	DIRECTOR	1.00	Director	$0	$0	$0
GARY B ROSEN	DIRECTOR	1.00	Director	$0	$0	$0
NICHOLE R SCHIER	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE SIRACUSE	DIRECTOR	1.00	Director	$0	$0	$0
PRECIOUS WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
RICHA AGGARWAL	DIRECTOR	1.00	Director	$0	$0	$0
TANYA KAUL	DIRECTOR	1.00	Director	$0	$0	$0
SHUCHI MITTAL	DIRECTOR	1.00	Director	$0	$0	$0
ALINA PANAS	DIRECTOR	1.00	Director	$0	$0	$0
KIM RIGGLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
JULIA RODGERS	DIRECTOR	1.00	Director	$0	$0	$0
JUDITH HERBST	EXECUTIVE DIRECTOR	40.00	Officer	$136,058	$15,856	$151,914

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	$580,559	$467,030	$503,444	$113,529
2022	$570,381	$426,706	$404,301	$143,675
2021	$456,008	$404,732	$282,377	$51,276
2021	$456,008	$404,732	$282,377	$51,276
2020	$291,227	$265,344	$238,492	$25,883
2020	$316,427	$265,344	$238,492	$51,083
2019	$304,493	$227,519	$179,328	$76,974
2018	$193,927	$182,556	$89,980	$11,371

SAVVY LADIES INC