Circle of Concern Inc (EIN 330384150) - 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

1989

Legal Domicile

Principal Officer

Terry Degraff

Phone

7605836586

Tax Period

2025-01-01 to 2025-12-31

Circle of Concern Inc, founded in 1989, is a small nonprofit in the Human Services sector that reported $286K in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

The purpose of Circle of Concern is to partner with like-minded charities and churches to help them grow and flourish by providing financial aid and practical help including short term missions teams.

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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 $284,790

Program Service Revenue $0

Investment Income $1,071

Other Revenue $0

TOTAL REVENUE $285,861

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,630

Program Expenses $276,685

Other Expenses $284,830

TOTAL EXPENSES $284,830

Year-over-Year Comparison

	2025	2024	Change
Revenue	$285,861	$247,000	+0.2%
Expenses	$284,830	$208,527	+0.4%
Net Income	$1,031	$38,473	-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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Hugh Margesson	President	1.00	Director	$0	$0	$0
Terry Degraff	Secretary	1.00	Director	$0	$0	$0
Jim Robertson	Board Member	1.00	Director	$0	$0	$0
Tommy Welty	Board Member	0.00	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	$285,861	$284,830	$128,195	$1,031
2024	$247,000	$208,527	$122,177	$38,473
2023	$240,981	$257,862	$98,766	$-16,881

Circle of Concern Inc