IMPROVE BUSINESS AND COMMUNITY

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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

1998

Legal Domicile

Principal Officer

WALLACE ALLEN

Phone

9093818133

Tax Period

2025-01-01 to 2025-12-31

IMPROVE BUSINESS AND COMMUNITY, founded in 1998, is a micro nonprofit in the Human Services sector that reported $12K in total revenue in fiscal year 2025. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $22K exceeded revenue, resulting in a 89% operating deficit.

Mission

PROVIDE HELPFUL RESOURCES TO OUR COMMUNITIES AND FAMILIES IN NEED.

Program Service Accomplishments

Program 1

Expenses: $2,999 Revenue: $2,999

SUPPLIES FOR FAMILIES

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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 $9,110

Program Service Revenue $2,750

Investment Income $0

Other Revenue $0

TOTAL REVENUE $11,860

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,988

Fundraising Expenses $0

Program Expenses $2,999

Other Expenses $16,418

TOTAL EXPENSES $22,406

Year-over-Year Comparison

	2025	2024	Change
Revenue	$11,860	$28,150	-0.6%
Expenses	$22,406	$28,097	-0.2%
Net Income	$-10,546	$53	-200.0%

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

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
WALLACE ALLEN	PRESIDENT	30	Officer	$0	$0	$0
REGINAL YOUNG	TREASURER	20	Officer	$0	$0	$0
JOSEPHINEALLEN	SECRETARY	20	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
2025	$11,860	$22,406	$911	$-10,546
2024	$28,150	$28,097	$510	$53
2023	$36,024	$35,821	$47,906	$203
2022	$25,447	$25,139	$47,886	$308
2021	$31,435	$30,319	$47,578	$1,116
2020	$500	$18,938	$46,462	$-18,438
2019	$144,080	$143,917	$1,454	$163