HM Life Opportunity Services (EIN 341539399) - 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

1986

Legal Domicile

Principal Officer

FRED BERRY

Phone

3303841555

Tax Period

2018-07-01 to 2019-06-30

HM Life Opportunity Services, founded in 1986, is a small nonprofit that reported $496K in total revenue in fiscal year 2018. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $467K left a modest 6% surplus.

Mission

TO PROMOTE AND STRENGTHEN THE SELF- SUFFICIENCY OF INDIVIDUALS AND FAMILIES, ESPECIALLY THE POOR, THROUGH SUPPORTIVE SERVICES AND QUALITY HOUSING.

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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 $470,342

Program Service Revenue $25,413

Investment Income $11

Other Revenue $0

TOTAL REVENUE $495,766

Expense Breakdown

Grants Paid $108,949

Salaries & Benefits $95,784

Fundraising Expenses $0

Program Expenses $399,742

Other Expenses $262,762

TOTAL EXPENSES $467,495

Year-over-Year Comparison

	2018	2017	Change
Revenue	$495,766	$1,037,935	-0.5%
Expenses	$467,495	$914,931	-0.5%
Net Income	$28,271	$123,004	-0.8%

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

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

$92,515

Total Directors

$92,515

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROLYN MARSHALL	VICE CHAIRPERSON	1.0	Officer Director	$0	$0	$0
VALLERY GAINES	TRUSTEE	1.0	Director	$0	$0	$0
KEITH STAHL	TREASURER	1.0	Officer Director	$0	$0	$0
ERIC BRYANT	TRUSTEE	1.0	Director	$0	$0	$0
ANGELI PERSONS	SECRETARY	1.0	Officer Director	$0	$0	$0
KAREN HRDLICKA	TRUSTEE	1.0	Director	$0	$0	$0
MATTHEW JENTNER	CHAIRPERSON	1.5	Officer Director	$0	$0	$0
LISA MITCHELL	TRUSTEE	1.0	Director	$0	$0	$0
FRED BERRY	PRESIDENT	11.0	Officer Director	$0	$0	$92,515
JANIS BECKETT	TRUSTEE	1.0	Director	$0	$0	$0
RICK PICHOLA	TRUSTEE	1.0	Director	$0	$0	$0
GWEN GAMBLIN	TRUSTEE	1.0	Director	$0	$0	$0
GARY DAVID	TRUSTEE	1.0	Director	$0	$0	$0
TOREY STEWART TOLSON	TRUSTEE	1.0	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
2019	$495,766	$467,495	No data	$28,271
2018	$1,037,935	$914,931	$1,600,891	$123,004

HM Life Opportunity Services