JUNIOR LEAGUE OF TOLEDO INC

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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

1933

Legal Domicile

Principal Officer

RACHEL WASSERMAN

Phone

4194746262

Tax Period

2024-06-01 to 2025-05-31

JUNIOR LEAGUE OF TOLEDO INC, founded in 1933, is a small nonprofit in the Community Improvement sector that reported $160K in total revenue in fiscal year 2024. Revenue surged 112% from the prior year, signaling strong growth momentum. The organization ran a surplus of $95K, a strong 60% operating margin.

Mission

THE JUNIOR LEAGUE OF TOLEDO IS AN ORGANIZATION OF WOMEN WHOSE MISSION IS TO ADVANCE WOMEN'S LEADERSHIP FOR MEANINGFUL COMMUNITY IMPACT THROUGH VOLUNTEER ACTION, COLLABORATION, AND TRAINING.

Program Service Accomplishments

Program 1

Expenses: $7,628

TRAINING & EDUCATION - ADVANCING WOMEN'S LEADERSHIP BY DEVELOPMENT OF MEMBERS AND THE GREATER COMMUNITY THROUGH WORKSHOPS, HANDS ON INSTRUCTION, VIRTUAL LEARNING DATABASE, EXPERIENTIAL LEARNING...

TRAINING & EDUCATION - ADVANCING WOMEN'S LEADERSHIP BY DEVELOPMENT OF MEMBERS AND THE GREATER COMMUNITY THROUGH WORKSHOPS, HANDS ON INSTRUCTION, VIRTUAL LEARNING DATABASE, EXPERIENTIAL LEARNING OPPORTUNITIES, MENTORSHIP, AND LEADERSHIP CONFERENCES.

Program 2

Expenses: $35,074 Revenue: $1,808

COMMUNITY PROGRAMS - JLT RUNS THE AS WE GROW DIAPER BANK, WHICH PROVIDES DIAPERS TO SOCIAL SERVICES AGENCIES WHO THEN DISTRIBUTE TO FAMILIES IN POVERTY. IN ADDITION TO THE DIAPER BANK, MEMBERS...

COMMUNITY PROGRAMS - JLT RUNS THE AS WE GROW DIAPER BANK, WHICH PROVIDES DIAPERS TO SOCIAL SERVICES AGENCIES WHO THEN DISTRIBUTE TO FAMILIES IN POVERTY. IN ADDITION TO THE DIAPER BANK, MEMBERS VOLUNTEER AS GROUPS AND INDIVIDUALS TO SUPPORT OTHER LOCAL AREA NONPROFITS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $24,053

Program Service Revenue $0

Investment Income $132,061

Other Revenue $3,772

TOTAL REVENUE $159,886

Expense Breakdown

Grants Paid $106

Salaries & Benefits $9,817

Fundraising Expenses $0

Program Expenses $42,702

Other Expenses $54,795

TOTAL EXPENSES $64,718

Year-over-Year Comparison

	2024	2023	Change
Revenue	$159,886	$75,378	+1.1%
Expenses	$64,718	$70,804	-0.1%
Net Income	$95,168	$4,574	+19.8%

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

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
LILY VRZAL	PRESIDENT EL	1.00	Officer Director	$0	$0	$0
RACHEL WASSERMAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
KATHLEEN CAVALEAR	ACTING TREAS	1.00	Officer Director	$0	$0	$0
JANET PARTIN	SECRETARY	1.00	Officer Director	$0	$0	$0
MARY GEIGER	SUSTAINER RE	1.00	Director	$0	$0	$0
LAURA ROBINSON	SUSTAINER RE	1.00	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	$159,886	$64,718	$1,607,384	$95,168
2024	$75,378	$70,804	$1,473,664	$4,574
2023	$62,844	$63,349	$1,291,630	$-505
2022	$167,660	$73,065	$1,268,707	$94,595
2021	$90,251	$58,664	$1,398,979	$31,587
2020	$93,336	$60,408	$1,062,599	$32,928
2019	$87,635	$102,056	$1,067,713	$-14,421
2018	$65,948	$72,693	$1,076,200	$-6,745