Federation of Women Contractors

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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

1993

Legal Domicile

Principal Officer

Laura Pager

Phone

3123601122

Tax Period

2025-01-01 to 2025-12-31

Federation of Women Contractors, founded in 1993, is a small nonprofit that reported $293K in total revenue in fiscal year 2025. Expenses of $283K left a modest 4% surplus.

Mission

The mission of the Federation of Women Contractors is to advocate for women-owned businesses and women executives in the Construction Industry. The Association is fully engaged in economic development and public affairs to ensure its members are successful entrepreneurs.

Program Service Accomplishments

Program 1

1. Dilligent legislative monitoring and lobbying activities at the local, state, and national levels to introduce and advance legislation beneficial to women owned enterprises.2. Ongoing...

1. Dilligent legislative monitoring and lobbying activities at the local, state, and national levels to introduce and advance legislation beneficial to women owned enterprises.2. Ongoing communications with major contractors to determine opportunities for construction projects for our members which is primarily done by inviting those prominent contractors to monthly meetings and networking at Association events and functions.3. Monthly meetings to serve as networking opportunities and allowing our members to keep abreast of current industry developments and job opportunities not available elsewhere through networking with industry leaders and major contractors who present the current industry environment to our members.4. The Association subscribes to services offering bidding process tools to which each member has access to increase the probability of obtaining work.

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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 (2025)

Revenue Breakdown

Contributions & Grants $121,660

Program Service Revenue $40,452

Investment Income $15,579

Other Revenue $115,470

TOTAL REVENUE $293,161

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $282,747

TOTAL EXPENSES $282,747

Year-over-Year Comparison

	2025	2024	Change
Revenue	$293,161	$305,884	0.0%
Expenses	$282,747	$270,518	+0.0%
Net Income	$10,414	$35,366	-0.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sara Knight	President	10.00	Officer Director	$0	$0	$0
Christine Chung Hurley	Vice President	10.00	Officer Director	$0	$0	$0
Laura Pager	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Cindy Gustafson	Immediate Past President	10.00	Officer Director	$0	$0	$0
Colleen Kramer	Director	1.00	Director	$0	$0	$0
Corrie Krula	Director	1.00	Director	$0	$0	$0
Emily Hammer	Director	1.00	Director	$0	$0	$0
Jennifer Cullen	Director	1.00	Director	$0	$0	$0
Julie Savitt	Director	1.00	Director	$0	$0	$0
Kaney O'neill	Director	1.00	Director	$0	$0	$0
Kathleen Canino	Director	1.00	Director	$0	$0	$0
Kendra Dinkins	Director	1.00	Director	$0	$0	$0
Nancy Bourbon	Director	1.00	Director	$0	$0	$0
Stella Gaytan	Director	1.00	Director	$0	$0	$0
Michelle Kantor	Legal Counsel	15.00	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
2025	$293,161	$282,747	$364,002	$10,414
2024	$305,884	$270,518	$370,226	$35,366
2023	$299,901	$284,142	$328,917	$15,759
2022	$253,143	$272,063	$318,684	$-18,920
2021	$262,399	$249,248	$340,120	$13,151
2020	$170,598	$207,523	$350,965	$-36,925
2019	$278,641	$268,136	$354,270	$10,505
2018	$269,755	$243,446	$335,539	$26,309