SARAH'S CIRCLE (EIN 363043662) - 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

1979

Legal Domicile

Principal Officer

JUDY KRUEGER

Phone

7737281014

Tax Period

2024-07-01 to 2025-06-30

SARAH'S CIRCLE, founded in 1979, is a mid-sized nonprofit in the Housing & Shelter sector that reported $10.0M in total revenue in fiscal year 2024. The organization ran a surplus of $2.9M, a strong 29% operating margin.

Mission

TO PROVIDE SERVICES AND HOUSING FOR WOMEN WHO ARE HOMELESS OR AT RISK OF HOMELESSNESS.

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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 $8,780,040

Program Service Revenue $85,385

Investment Income $1,157,907

Other Revenue $-9,759

TOTAL REVENUE $10,013,573

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,969,350

Fundraising Expenses $441,810

Program Expenses $6,132,497

Other Expenses $3,147,568

TOTAL EXPENSES $7,116,918

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,013,573	$10,201,657	0.0%
Expenses	$7,116,918	$5,062,491	+0.4%
Net Income	$2,896,655	$5,139,166	-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

330

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

$257,086

Total Directors

$257,086

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHERINE RAGNAR	EXECUTIVE DIRECTOR	40.00	Officer Director	$226,775	$30,311	$257,086
JUDY KRUEGER	PRESIDENT	2.50	Officer Director	$0	$0	$0
JOSHUA REITMAN	TREASURER	2.50	Officer Director	$0	$0	$0
MARGARET EGAN	SECRETARY	2.00	Officer Director	$0	$0	$0
GEORGIA A BEATTY	DIRECTOR	2.00	Director	$0	$0	$0
MARY HAYES	DIRECTOR	2.00	Director	$0	$0	$0
JUNE MERRITT	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT TURNER	DIRECTOR	2.00	Director	$0	$0	$0
SHIRA BERNSTEIN	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH MILLS	DIRECTOR	2.00	Director	$0	$0	$0
STACEY BASHARA	DIRECTOR	2.00	Director	$0	$0	$0
KEN BROWN	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER MCGUIRE	DIRECTOR	2.00	Director	$0	$0	$0
JAMES GRUTSCH	SR DIRECTOR OF FINANCE & PROPERTIES	37.50	Highest	$145,620	$14,751	$160,371
ANGELA LOPEZ	SR DIRECTOR OF PROGRAM SERVICES	37.50	Highest	$126,992	$17,480	$144,472
KATHLEEN MOLNAR	DIRECTOR OF EXTERNAL RESOURCES	37.50	Highest	$101,796	$15,364	$117,160

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	$10,013,573	$7,116,918	$65,585,352	$2,896,655
2024	$10,201,657	$5,062,491	$57,576,373	$5,139,166
2023	$10,612,224	$4,731,107	$46,621,680	$5,881,117
2022	$6,502,011	$4,415,646	$40,442,097	$2,086,365
2021	$8,050,758	$3,434,772	$39,749,339	$4,615,986
2020	$12,795,303	$3,317,152	$38,221,471	$9,478,151
2019	$4,300,613	$2,836,939	$25,099,717	$1,463,674
2018	$17,266,685	$2,467,734	$23,796,854	$14,798,951

SARAH'S CIRCLE