Living into the Future (EIN 330718915) - 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

Myrna Jefferson-Williams

Phone

3103869824

Tax Period

2023-07-01 to 2024-06-30

Living into the Future, founded in 1996, is a micro nonprofit in the Human Services sector that reported $8K in total revenue in fiscal year 2023. Revenue fell 62% from the prior year — a significant decline worth monitoring. Expenses of $62K exceeded revenue, resulting in a 630% operating deficit.

Mission

Promote individual empowerment through education.

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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 $8,477

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $8,477

Expense Breakdown

Grants Paid $14,500

Salaries & Benefits $20,390

Fundraising Expenses $0

Other Expenses $27,001

TOTAL EXPENSES $61,891

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,477	$22,164	-0.6%
Expenses	$61,891	$81,437	-0.2%
Net Income	$-53,414	$-59,273	-0.1%

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
Sandra Jefferson	President	010.00	Officer	$0	$0	$0
Ana-Haydee Urda	Vice President	010.00	Officer	$0	$0	$0
Mary Boyd	Vice President	010.00	Officer	$0	$0	$0
Myrna Jefferson-Williams	Treasurer	015.00	Officer	$0	$0	$0
Mercy Herstad	Secretary	010.00	Officer	$0	$0	$0
Susan Stoffer	Secretary	005.00	Officer	$0	$0	$0
Lesa Smith	Executive Director	020.00	Officer	$0	$0	$0
Patricia King	Director	005.00	Officer	$0	$0	$0
Caydene Monk	Director	005.00	Officer	$0	$0	$0
Zenata Smith	Director	005.00	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	$8,477	$61,891	$1,408,502	$-53,414
2023	$22,164	$81,437	$1,395,506	$-59,273
2022	$18,562	$221,265	$1,423,696	$-202,703
2021	$395,297	$194,328	$1,840,219	$200,969
2020	$108,406	$142,175	$1,639,250	$-33,769
2019	$136,356	$131,478	$1,672,344	$4,878

Living into the Future