YELLOW RIBBON FUND INC (EIN 364567583) - 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

2005

Legal Domicile

Principal Officer

Gina Harrow

Phone

2402231180

Tax Period

2024-03-01 to 2025-02-28

YELLOW RIBBON FUND INC, founded in 2005, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $2.6M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

Offer supplemental assistance to wounded, ill and injured American service members, their families, and caregivers that bridges the gap between their needs and earned benefits, enabling families to stay together during critical recuperation phases.

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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 $2,475,166

Program Service Revenue $0

Investment Income $66,199

Other Revenue $29,629

TOTAL REVENUE $2,570,994

Expense Breakdown

Grants Paid $1,434,761

Salaries & Benefits $887,565

Fundraising Expenses $272,015

Program Expenses $2,283,052

Other Expenses $364,264

TOTAL EXPENSES $2,686,590

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,570,994	$2,777,754	-0.1%
Expenses	$2,686,590	$2,552,565	+0.1%
Net Income	$-115,596	$225,189	-1.5%

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

Total Directors

Key Employees

$419,728

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gina Harrow	Executive Director	40	Key Emp Highest	$183,500	$0	$183,500
Ariana Caragliano	Chief Advancement Officer	40	Key Emp	$137,217	$39,011	$176,228
David W Heiser	Chief Financial Officer	40	Key Emp	$60,000	$0	$60,000
Gary Bowman	Chair	2	Officer Director	$0	$0	$0
Anatolio B Cruz	Vice Chair	2	Officer Director	$0	$0	$0
Thomas Lynch	Secretary	2	Officer Director	$0	$0	$0
Chris Bock	Treasurer	2	Officer Director	$0	$0	$0
William J Scott	Chairman Emeritus	2	Officer Director	$0	$0	$0
Dillon Behr	Board Member	0.5	Director	$0	$0	$0
Derick Carver	Board Member	0.5	Director	$0	$0	$0
Kevin Chase	Board Member	0.5	Director	$0	$0	$0
Ben Harrow	Board Member	0.5	Director	$0	$0	$0
Janelle King	Board Member	0.5	Director	$0	$0	$0
Brett McMahon	Board Member	0.5	Director	$0	$0	$0
Michael Morris	Board Member	0.5	Director	$0	$0	$0
Louise O'Berry	Board Member	0.5	Director	$0	$0	$0
Lloyd Polmateer	Board Member	0.5	Director	$0	$0	$0
Tripp Shreves	Board Member	0.5	Director	$0	$0	$0
Lisa Slater	Board Member	0.5	Director	$0	$0	$0
Sean Spicer	Board Member	0.5	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	$2,570,994	$2,686,590	$2,386,381	$-115,596
2024	$2,777,754	$2,552,565	$2,780,134	$225,189
2023	$2,681,893	$2,551,239	$2,169,567	$130,654
2022	$3,055,184	$2,308,969	$1,996,496	$746,215
2021	$2,334,201	$2,179,064	$1,329,738	$155,137
2020	$2,071,798	$1,722,906	$1,077,037	$348,892
2019	$1,879,908	$1,681,389	$825,600	$198,519

YELLOW RIBBON FUND INC