FUTURES UNLIMITED INC (EIN 370921907) - 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

1970

Legal Domicile

Principal Officer

PATRICIA HABERKORN

Phone

8158421122

Tax Period

2024-07-01 to 2025-06-30

FUTURES UNLIMITED INC, founded in 1970, is a community nonprofit that reported $4.3M in total revenue in fiscal year 2024. Expenses of $5.1M exceeded revenue, resulting in a 18% operating deficit.

Mission

TO SERVE PERSONS WITH DISABILITIES, PRIMARILY IN LIVINGSTON COUNTY, ILLINOIS.

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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 $976,362

Program Service Revenue $3,314,165

Investment Income $18,554

Other Revenue $17,672

TOTAL REVENUE $4,326,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,572,510

Fundraising Expenses $0

Program Expenses $3,987,929

Other Expenses $1,511,852

TOTAL EXPENSES $5,084,362

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,326,753	$4,033,029	+0.1%
Expenses	$5,084,362	$4,698,772	+0.1%
Net Income	$-757,609	$-665,743	+0.1%

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

148

Volunteers

N/A

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

$195,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN FRY	DIRECTOR	1.00	Director	$0	$0	$0
LAURA BAUMGARDNER	DIRECTOR	1.00	Director	$0	$0	$0
BRAD GULLIFORD	DIRECTOR	1.00	Director	$0	$0	$0
LARRY MARTELL	DIRECTOR	1.00	Director	$0	$0	$0
MALINDA HILLMAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
SARAH DUFFY	DIRECTOR	1.00	Director	$0	$0	$0
RYAN RAFFERTY	DIRECTOR	1.00	Director	$0	$0	$0
JOSH DELONG	SEC/TREASURER	2.00	Officer Director	$0	$0	$0
MAGGIE CLARK	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
ELLA BELLOT	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA HABERKORN	EXEC. DIRECTOR	40.00	Officer	$98,610	$10,701	$109,311
ADEANA FOX	CFO	40.00	Officer	$86,089	$0	$86,089

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	$4,326,753	$5,084,362	$2,860,512	$-757,609
2024	$4,033,029	$4,698,772	$3,245,942	$-665,743
2023	$5,183,215	$4,964,151	$4,396,574	$219,064
2022	$4,964,373	$5,288,212	$4,734,940	$-323,839
2021	$6,984,293	$5,071,117	$4,352,846	$1,913,176
2020	$6,104,573	$5,446,714	$3,317,668	$657,859
2019	$5,189,635	$5,565,852	$2,607,300	$-376,217
2018	$5,751,836	$5,583,014	$2,930,748	$168,822

FUTURES UNLIMITED INC