VILLAGE TREASURE HOUSE

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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

1997

Legal Domicile

Principal Officer

JILL RUTER

Phone

8476875682

Tax Period

2024-01-01 to 2024-12-31

VILLAGE TREASURE HOUSE, founded in 1997, is a small nonprofit in the Human Services sector that reported $667K in total revenue in fiscal year 2024. Expenses of $602K left a modest 10% surplus.

Mission

THE CORPORATION OPERATES AS A NONPROFIT DONATION AND CONSIGNMENT SHOP WHOSE PROCEEDS SUPPORT LOCAL AGENCIES SERVING INDIVIDUALS AND FAMILIES IN CRISIS.

Program Service Accomplishments

Program 1

Expenses: $283,438 Revenue: $781,502

THE ORGANIZATION SPECIALIZES IN THE RESALE OF FURNITURE AND HOUSEHOLD GOODS. MERCHANDISE IS DONATED OR PLACED IN THE SHOP FOR CONSIGNMENT. THE PROFITS ARE USED TO SUPPORT VARIOUS CHARITABLE...

THE ORGANIZATION SPECIALIZES IN THE RESALE OF FURNITURE AND HOUSEHOLD GOODS. MERCHANDISE IS DONATED OR PLACED IN THE SHOP FOR CONSIGNMENT. THE PROFITS ARE USED TO SUPPORT VARIOUS CHARITABLE ORGANIZATIONS THAT SUPPORT INDIVIDUALS AND FAMILIES IN THE NORTH SHORE CHICAGO SUBURBS.

Program 2

Expenses: $215,000

GRANTS AND OTHER DISTRIBUTIONS - BY OPERATING THE CONSIGNMENT/DONATION RESALE SHOP, THE CORPORATION RAISES PUBLIC AWARENESS OF THE ORGANIZATIONS TO WHICH FUNDS ARE GRANTED AND HAS RAISED AWARENESS OF THE NEED FOR SUCH ORGANIZATIONS. SEE GRANT PROCEDURES IN SCHEDULE I FOR DETERMINATION OF GRANTEES.

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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 $270,656

Program Service Revenue $0

Investment Income $1,032

Other Revenue $395,583

TOTAL REVENUE $667,271

Expense Breakdown

Grants Paid $215,000

Salaries & Benefits $101,183

Fundraising Expenses $500

Program Expenses $498,438

Other Expenses $285,571

TOTAL EXPENSES $601,754

Year-over-Year Comparison

	2024	2023	Change
Revenue	$667,271	$687,584	0.0%
Expenses	$601,754	$672,322	-0.1%
Net Income	$65,517	$15,262	+3.3%

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

111

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
JILL RUTER	PRESIDENT	13.00	Officer Director	$0	$0	$0
SUE RYAN	TREASURER	13.00	Officer Director	$0	$0	$0
WENDY BAN	SECRETARY	5.00	Officer Director	$0	$0	$0
BETH SCHMIDT	DIRECTOR	5.00	Director	$0	$0	$0
JANE MCCARTHY	DIRECTOR	5.00	Director	$0	$0	$0
SANDY VAN EPPS	DIRECTOR	5.00	Director	$0	$0	$0
SUSAN PARKER	DIRECTOR	5.00	Director	$0	$0	$0
LISA MOECKLER	DIRECTOR	5.00	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	No data	No data	No data	No data
2024	$667,271	$601,754	$1,025,624	$65,517
2023	$687,584	$672,322	$197,422	$15,262
2022	$603,126	$624,416	$274,432	$-21,290
2021	$596,518	$601,865	$107,101	$-5,347
2020	$384,110	$347,562	$109,701	$36,548
2019	$433,231	$425,343	$61,861	$7,888
2018	$424,565	$422,817	$30,942	$1,748