ZOE FOR LIFE

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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

2001

Legal Domicile

Principal Officer

PAULA KAPPOS

Phone

4408939990

Tax Period

2024-01-01 to 2024-12-31

ZOE FOR LIFE, founded in 2001, is a small nonprofit in the Human Services sector that reported $208K in total revenue in fiscal year 2024. The organization ran a surplus of $119K, a strong 57% operating margin.

Mission

ZOE FOR LIFE! IS A CHRISTIAN MINISTRY WHICH AFFIRMS THE VALUE OF ALL LIFE BY PROVIDING NONJUDGEMENTAL, CONFIDENTIAL SUPPORT AND EDUCATION DURING AND AFTER AN UNPLANNED PREGNANCY.

Program Service Accomplishments

Program 1

Expenses: $88,847

AS THE RESULT OF CONTACT WITH WOMEN ACROSS THE UNITED STATES IN CRISIS PREGNANCIES, ZOE FOR LIFE HAS HELPED WOMEN AVOID ABORTIONS BY OFFERING REFERRALS TO VARIOUS PROFESSIONALS; THROUGH ZOE HOUSE WE HAVE DISTRIBUTED MATERNITY AND BABY ITEMS, AS WELL AS ABSTINENCE MATERIALS FOR YOUTH PROGRAMS THROUGHOUT THE UNITED STATES.

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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 $187,226

Program Service Revenue $0

Investment Income $20,448

Other Revenue $0

TOTAL REVENUE $207,674

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $88,847

Other Expenses $88,847

TOTAL EXPENSES $88,847

Year-over-Year Comparison

	2024	2023	Change
Revenue	$207,674	$197,059	+0.1%
Expenses	$88,847	$112,320	-0.2%
Net Income	$118,827	$84,739	+0.4%

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
KATHY KOVALAK	EXECUTIVE DIRECTOR	40.00	Director	$0	$0	$0
ANNA WARREN	TRUSTEE	10.00	Director	$0	$0	$0
LARA HERZAK	TRUSTEE	4.00	Director	$0	$0	$0
HELEN PRIMBUS	TRUSTEE	4.00	Director	$0	$0	$0
PAMMY BOULAS	TRUSTEE	4.00	Director	$0	$0	$0
FR COSTOS KEARES	SPIRITUAL ADVISOR	4.00	Director	$0	$0	$0
PAULA KAPPOS	PRESIDENT	24.00	Officer	$0	$0	$0
CHRIS BODLE	TREASURER	20.00	Officer	$0	$0	$0
MARIA SAGI	SECRETARY	4.00	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
2024	$207,674	$88,847	$578,299	$118,827