U-SNAP-BAC INCORPORATED (EIN 382810323) - 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

1973

Legal Domicile

Principal Officer

LINDA A SMITH

Phone

3136401100

Tax Period

2024-10-01 to 2025-09-30

U-SNAP-BAC INCORPORATED, founded in 1973, is a community nonprofit in the Housing & Shelter sector that reported $1.1M in total revenue in fiscal year 2024. Revenue fell 78% from the prior year — a significant decline worth monitoring. Expenses of $1.5M exceeded revenue, resulting in a 36% operating deficit.

Mission

PROVIDE LOW MODERATE HOUSING FOR LOW INCOME FAMILIES

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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 $603,193

Program Service Revenue $411,001

Investment Income $0

Other Revenue $86,243

TOTAL REVENUE $1,100,437

Expense Breakdown

Grants Paid $0

Salaries & Benefits $636,228

Fundraising Expenses $0

Program Expenses $1,241,143

Other Expenses $861,957

TOTAL EXPENSES $1,498,185

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,100,437	$4,967,087	-0.8%
Expenses	$1,498,185	$4,507,374	-0.7%
Net Income	$-397,748	$459,713	-1.9%

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

$94,538

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA SMITH	EXECUTIVE DIRECTOR	050.00	Officer	$94,538	$0	$94,538
ERIC DUEWEKE	CHAIRMAN	001.00	Officer Director	$0	$0	$0
OLGA SMITH	SECRETARY/ TREASURER	001.00	Officer Director	$0	$0	$0
KELLEY MARKS	MEMBER	001.00	Director	$0	$0	$0
JEAN LIPPS	MEMBER	001.00	Director	$0	$0	$0
REV JOHN GRICE	MEMBER	001.00	Director	$0	$0	$0
STEVEN BOLES	MEMBER	001.00	Director	$0	$0	$0
BEVERLY KINDLE-WALKER	MEMBER	001.00	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	$1,100,437	$1,498,185	$512,012	$-397,748
2024	$4,967,087	$4,507,374	$909,760	$459,713
2023	$622,868	$833,008	$450,047	$-210,140
2022	$852,889	$981,562	$660,187	$-128,673
2021	$1,463,966	$813,206	$788,624	$650,760
2020	$484,976	$531,484	$140,864	$-46,508
2019	$976,372	$861,980	$269,582	$114,392

U-SNAP-BAC INCORPORATED