UNITED WAY OF GREATER CENTRAL MICHIGAN (EIN 381957175) - 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

1954

Legal Domicile

Principal Officer

JENNIFER WHITE

Phone

9897739863

Tax Period

2024-07-01 to 2025-06-30

UNITED WAY OF GREATER CENTRAL MICHIGAN, founded in 1954, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $1.9M exceeded revenue, resulting in a 16% operating deficit.

Mission

UNITED WAY PROVIDES LEADERSHIP AND RESOURCES TO IMPROVE THE QUALITY OF LIFE IN OUR COMMUNITY BY GENERATING REVENUE, CREATING AWARENESS AND ENGAGING VOLUNTEERS.

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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 $1,472,868

Program Service Revenue $71,661

Investment Income $3,709

Other Revenue $73,834

TOTAL REVENUE $1,622,072

Expense Breakdown

Grants Paid $925,102

Salaries & Benefits $509,879

Fundraising Expenses $261,505

Program Expenses $1,564,615

Other Expenses $439,408

TOTAL EXPENSES $1,874,389

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,622,072	$1,427,121	+0.1%
Expenses	$1,874,389	$1,722,293	+0.1%
Net Income	$-252,317	$-295,172	-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

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

$102,424

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FAYE COLE	SECRETARY	1.00	Officer Director	$0	$0	$0
TODD MOEGGENBORG	TREASURER/MEMBER	1.00	Officer Director	$0	$0	$0
PAT DUFFY	MEMBER	1.00	Director	$0	$0	$0
REBECCA LOBSINGER	VICE CHAIR/CHAIR	1.00	Officer Director	$0	$0	$0
SARAH OSTAHOWSKI	MEMBER	1.00	Director	$0	$0	$0
CAROLYN STUDLEY	MEMBER/VICE CHAIR	1.00	Officer Director	$0	$0	$0
MARK SZYMSCAK	MEMBER	1.00	Director	$0	$0	$0
JENNIFER WHITE	CHAIR/PAST CHAIR	1.00	Officer Director	$0	$0	$0
MARITA HATTEM-SCHIFFMAN	MEMBER	1.00	Director	$0	$0	$0
LORI KNIERIM	MEMBER/TREASURER	1.00	Officer Director	$0	$0	$0
KATIE RINKE	MEMBER	1.00	Director	$0	$0	$0
JENELLE WOOD	MEMBER	1.00	Director	$0	$0	$0
PAUL HUNGERFORD	MEMBER	1.00	Director	$0	$0	$0
ROBIN WYBENGA	MEMBER	1.00	Director	$0	$0	$0
ANN E SANDERS	PRESIDENT/CEO	40.00	Officer	$102,424	$0	$102,424

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	$1,622,072	$1,874,389	$1,209,051	$-252,317
2024	$1,427,121	$1,722,293	$1,323,679	$-295,172
2023	$1,260,575	$1,305,352	$1,529,208	$-44,777
2022	$1,423,835	$1,427,026	$1,491,855	$-3,191
2021	$1,166,895	$1,080,117	$1,484,963	$86,778
2020	$1,234,223	$1,078,013	$1,323,531	$156,210
2019	$1,161,583	$1,254,240	$1,404,338	$-92,657

UNITED WAY OF GREATER CENTRAL MICHIGAN