YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF THE SAUK VALLEY (EIN 362179770) - 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

1924

Legal Domicile

Principal Officer

REBECCA MUNOZ-RIPLEY

Phone

8156250333

Tax Period

2024-07-01 to 2025-06-30

YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF THE SAUK VALLEY, founded in 1924, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $2.7M left a modest 4% surplus.

Mission

THE YWCA OF THE SAUK VALLEY IS DEDICATED TO ELIMINATING RACISM, EMPOWERING WOMEN, AND PROMOTING PEACE, JUSTICE, FREEDOM, AND DIGNITY FOR ALL.

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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 $2,464,642

Program Service Revenue $93,440

Investment Income $232,825

Other Revenue $23,945

TOTAL REVENUE $2,814,852

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,922,272

Fundraising Expenses $0

Program Expenses $2,592,315

Other Expenses $771,413

TOTAL EXPENSES $2,693,685

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,814,852	$2,488,765	+0.1%
Expenses	$2,693,685	$2,296,035	+0.2%
Net Income	$121,167	$192,730	-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

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

$95,441

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARLA BELZER	PRESIDENT	1.50	Officer Director	$0	$0	$0
MEREDITH LAYNE	VICE-PRESIDENT	0.50	Officer Director	$0	$0	$0
HALIMA KHAN	VICE-PRESIDENT (THRU SEP. 2024)	0.50	Officer Director	$0	$0	$0
TEGAN POITRAS	TREASURER	1.00	Officer Director	$0	$0	$0
LUPITA SERRANO	SECRETARY	0.50	Officer Director	$0	$0	$0
SANDI CAVAZOS	DIRECTOR	0.50	Director	$0	$0	$0
BRITTANY DEVEREUEAWAX	DIRECTOR	0.50	Director	$0	$0	$0
AMANDA DOWD	DIRECTOR	0.50	Director	$0	$0	$0
LESLEY GARCIA	DIRECTOR	0.50	Director	$0	$0	$0
STEPHANIE JACOBS	DIRECTOR	0.50	Director	$0	$0	$0
JENNIFER LANG	DIRECTOR	0.50	Director	$0	$0	$0
COURTNEY LIGTENBERG	DIRECTOR	0.50	Director	$0	$0	$0
MARRY MARTIN	DIRECTOR	0.50	Director	$0	$0	$0
EMMA MILLER	DIRECTOR	0.50	Director	$0	$0	$0
TERRI MONIN	DIRECTOR	0.50	Director	$0	$0	$0
VANESSA SHARP	DIRECTOR	0.50	Director	$0	$0	$0
SAMI WIGGINS	DIRECTOR	0.50	Director	$0	$0	$0
NYLA WINCHELL	DIRECTOR	0.50	Director	$0	$0	$0
REBECCA MUNOZ-RIPLEY	EXECUTIVE DIRECTOR	40.00	Officer	$76,840	$18,601	$95,441

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	$2,814,852	$2,693,685	$6,321,667	$121,167
2024	$2,488,765	$2,296,035	$5,924,603	$192,730
2023	$2,778,858	$2,720,106	$5,488,659	$58,752
2022	$2,552,703	$2,339,141	$5,189,598	$213,562
2021	$3,565,551	$2,422,576	$5,360,387	$1,142,975
2020	$2,110,508	$2,164,926	$3,827,711	$-54,418
2019	$2,040,673	$1,917,020	$3,826,790	$123,653

YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF THE SAUK VALLEY