THE SOCIETY FOR FINANCIAL AWARENESS (EIN 330700097) - 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

1996

Legal Domicile

Principal Officer

JAMES E CHILTON

Phone

8582687090

Tax Period

2023-01-01 to 2023-12-31

THE SOCIETY FOR FINANCIAL AWARENESS, founded in 1996, is a small nonprofit in the Arts, Culture & Humanities sector that reported $417K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Net assets of $1.8M represent 53 months of operating reserves.

Mission

END FINANCIAL ILLITERACY; EMBOLDEN PEOPLE TO TAKE CHARGE OF THEIR FINANCIAL LIVEES; GET AMERICANS TO EMBRACE THE FINANCIAL CONCEPT OF "DOING BETTER"...KNOWING MORE, AND MAKING THE RIGHT DECISIONS WITH THEIR MONEY.

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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 $0

Program Service Revenue $336,890

Investment Income $2

Other Revenue $80,314

TOTAL REVENUE $417,206

Expense Breakdown

Grants Paid $0

Salaries & Benefits $254,195

Fundraising Expenses $0

Program Expenses $379,885

Other Expenses $192,944

TOTAL EXPENSES $447,139

Year-over-Year Comparison

	2023	2022	Change
Revenue	$417,206	$449,561	-0.1%
Expenses	$447,139	$433,722	+0.0%
Net Income	$-29,933	$15,839	-2.9%

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

100

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

$101,139

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHELLE L WOLF	COO	35.00	Officer	$101,139	$0	$101,139
JAMES E CHILTON	President & CEO	20.00	Officer	$0	$0	$0
PAMELA CHILTON	Director	15.00	Officer	$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	No data	No data	No data	No data
2023	$417,206	$447,139	$1,862,372	$-29,933
2022	$449,561	$433,721	$185,971	$15,840
2021	$461,472	$434,591	$154,480	$26,881
2020	$508,730	$432,506	$108,412	$76,224
2019	$536,898	$535,261	$55,094	$1,637
2018	$539,111	$536,417	$52,116	$2,694

THE SOCIETY FOR FINANCIAL AWARENESS