CALHOUN COUNTY GUARDIAN DBA GUARDIAN FIN (EIN 382282034) - 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

1966

Legal Domicile

Principal Officer

JENNIFER WARNOS

Phone

2699633253

Tax Period

2023-10-01 to 2024-09-30

CALHOUN COUNTY GUARDIAN DBA GUARDIAN FIN, founded in 1966, is a community nonprofit in the Crime & Legal sector that reported $1.9M in total revenue in fiscal year 2023.

Mission

WE BENEFIT THE COMMUNITY BY PROVIDING FINANCIAL STEWARDSHIP AND ADVOCACY SERVICES TO PEOPLE IN NEED. WE PROMOTE THE OPTIMUM INDEPENDENCE AND ECONOMIC SELF-SUFFICIENCY OF THOSE WE SERVE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $78,140

Program Service Revenue $1,774,172

Investment Income $20,860

Other Revenue $0

TOTAL REVENUE $1,873,172

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,409,257

Fundraising Expenses $0

Program Expenses $1,683,062

Other Expenses $573,603

TOTAL EXPENSES $1,982,860

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,873,172	$1,968,486	0.0%
Expenses	$1,982,860	$1,975,220	+0.0%
Net Income	$-109,688	$-6,734	+15.3%

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

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

$126,183

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA WILLCUTT	PRESIDENT EMERITUS	1.00	Director	$0	$0	$0
MARK CASSINO	PRESIDENT	1.00	Officer Director	$0	$0	$0
GENE DILLENBECK	TREASURER	1.00	Officer Director	$0	$0	$0
DAVID LUCAS	SECRETARY	1.00	Officer Director	$0	$0	$0
RAYMOND SAWYER	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT BAXTER	BOARD MEMBER	1.00	Director	$0	$0	$0
MARILYN ROBINSON	BOARD MEMBER	1.00	Director	$0	$0	$0
SUSAN MCCLOSKEY	BOARD MEMBER	1.00	Director	$0	$0	$0
TONY MCGHEE	BOARD MEMBER	1.00	Director	$0	$0	$0
SARAH RUSSELL	BOARD MEMBER	1.00	Director	$0	$0	$0
KENT REHMANN	BOARD MEMBER	1.00	Director	$0	$0	$0
ANITA JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT COPELAND	FORMER CEO	40.00	Officer	$84,751	$0	$84,751
JENNIFER WARNOS	CEO	40.00	Officer	$41,432	$0	$41,432

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
2024	$1,873,172	$1,982,860	$12,915,339	$-109,688
2023	$1,968,486	$1,975,220	$13,235,165	$-6,734
2022	$1,810,904	$1,919,244	$11,877,488	$-108,340
2021	$1,984,631	$1,842,434	$10,816,609	$142,197
2020	$1,740,995	$1,734,476	$10,913,583	$6,519
2019	$1,578,064	$1,575,936	$11,617,755	$2,128
2018	$1,574,091	$1,530,032	$10,258,547	$44,059

CALHOUN COUNTY GUARDIAN DBA GUARDIAN FIN