NAWBO Cleveland (EIN 341412398) - 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

1985

Legal Domicile

Tax Period

2018-07-01 to 2019-06-30

NAWBO Cleveland, founded in 1985, is a micro nonprofit that reported $45K in total revenue in fiscal year 2018. Expenses of $43K left a modest 6% surplus.

Mission

Association for Women Entrepreneurs

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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 (2018)

Revenue Breakdown

Contributions & Grants $19,186

Program Service Revenue $26,078

Investment Income $3

Other Revenue $0

TOTAL REVENUE $45,267

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $39,152

Other Expenses $42,598

TOTAL EXPENSES $42,598

Year-over-Year Comparison

	2018	2017	Change
Revenue	$45,267	N/A	N/A
Expenses	$42,598	N/A	N/A
Net Income	$2,669	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

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
Pat Alvater	Immediate Past President	1.00	Officer	$0	$0	$0
Bonnie Fraser	Recording Secretary	1.00	Officer	$0	$0	$0
Lynnette Begue-Lavery	VP Finance	1.00	Officer	$0	$0	$0
Lisa Crill-Mallis	President	1.00	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
2019	$45,267	$42,598	$32,667	$2,669
2018	$32,816	$30,462	$26,205	$2,354

NAWBO Cleveland