GOLDEN CIPHERS (EIN 341970795) - 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

2001

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

GOLDEN CIPHERS, founded in 2001, is a small nonprofit in the Education sector that reported $232K in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year. Expenses of $275K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO RECONNECT FAMILY STRUCTURES AND COMMUNITIES THROUGH THE USE OF STRUCTURED EDUCATIONAL PROGRAMS, COMMUNITY EVENTS AND ACTIVITIES THAT ARE EDUCATIONAL, EMPOWERING AND ENTERTAINING WITH MEASURABLE OUTCOMES AND RESULTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $231,941

Program Service Revenue $0

Investment Income $0

Other Revenue $314

TOTAL REVENUE $232,255

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,837

Fundraising Expenses $0

Program Expenses $234,507

Other Expenses $202,003

TOTAL EXPENSES $274,840

Year-over-Year Comparison

	2023	2022	Change
Revenue	$232,255	$256,106	-0.1%
Expenses	$274,840	$298,052	-0.1%
Net Income	$-42,585	$-41,946	+0.0%

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

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

$36,800

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMELA HUBBARD	EXECUTIVE DIRECTOR	40.00	Key Emp	$36,800	$0	$36,800
TAMERA WRIGHT	MEMBER	1.00	Director	$0	$0	$0
ANNETTE FREENEY	MEMBER	1.00	Director	$0	$0	$0
FRANK MANUAL	MEMBER	1.00	Director	$0	$0	$0
ERNESTINE DAWSON	MEMBER	1.00	Director	$0	$0	$0
GLORIA CARRUTHERS	PRESIDENT	1.00	Officer	$0	$0	$0
LYDIA HILL	SECRETARY	1.00	Officer	$0	$0	$0
TAHARRAH KALEEM	TREASURER	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
2024	No data	No data	No data	No data
2023	$232,255	$274,840	$79,744	$-42,585
2022	$256,106	$298,052	$124,331	$-41,946
2021	$231,502	$268,001	$154,644	$-36,499
2020	$178,746	$171,336	$139,476	$7,410
2019	$168,936	$211,969	$58,383	$-43,033
2018	$215,869	$205,415	$77,743	$10,454

GOLDEN CIPHERS