PEARLS OF LIFE INC (EIN 332139100) - 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

2024

Legal Domicile

Principal Officer

DAWN POLLARD

Phone

3174148378

Tax Period

2025-01-01 to 2025-12-31

PEARLS OF LIFE INC, founded in 2024, is a small nonprofit in the Health Care sector that reported $122K in total revenue in fiscal year 2025. The organization ran a surplus of $76K, a strong 63% operating margin.

Mission

PEARLS OF LIFE WAS CREATED TO ADVOCATE FOR ORGAN DONATIONS, EDUCATE THE COMMUNITY AND SUPPORT FAMILIES WHO ARE GOING THROUGH THE ORGAN TRANSPLANT OR DONATION PROCESS. WE BELIEVE IN THE POWER OF COMMUNITY AND THE IMPACT OF COMPASSION. OFTEN, POTENTIAL DONORS HAVE FEARS OR BELIEFS THAT MAY BE OVERCOME ONCE THEY COMPLETELY UNDERSTAND THE PROCESS AND THE BENEFITS. THROUGH MARKETING EFFORTS AND PUBLIC APPEARANCES, PEARLS OF LIFE WILL BE AN ADVOCATE FOR ENCOURAGING ORGAN DONATION. HOWEVER, OUR WORK DOESN'T STOP THERE. THE DONOR FAMILY AND THE FAMILY RECEIVING THE DONATED ORGANS IN MANY CASES NEED EITHER FINANCIAL, LOGISTICAL OR EMOTIONAL SUPPORT. PEARLS OF LIFE WILL WORK DIRECTLY WITH MEDICAL PROVIDERS TO IDENTIFY FAMILIES IN NEED AND SUPPORT THEM THROUGH DONATIONS MADE TO OUR ORGANIZATION.

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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 $121,927

Program Service Revenue $0

Investment Income $1

Other Revenue $0

TOTAL REVENUE $121,928

Expense Breakdown

Grants Paid $6,600

Salaries & Benefits $0

Fundraising Expenses $33,138

Program Expenses $7,871

Other Expenses $38,911

TOTAL EXPENSES $45,511

Year-over-Year Comparison

	2025	2024	Change
Revenue	$121,928	N/A	N/A
Expenses	$45,511	N/A	N/A
Net Income	$76,417	N/A	N/A

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

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
JODY DEFORD	BOARD MEMBER	2.00	Director	$0	$0	$0
WENDY FAUST	BOARD MEMBER	2.00	Director	$0	$0	$0
DAWN POLLARD	EXECUTIVE DI	5.00	Officer Director	$0	$0	$0
DAVID SEITER	TREASURER	5.00	Officer 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	$121,928	$45,511	$76,417	$76,417

PEARLS OF LIFE INC