COVERED CORPORATION (EIN 384043453) - 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

2017

Legal Domicile

Principal Officer

JOHANNA SPILLE

Phone

3035498882

Tax Period

2024-07-01 to 2025-06-30

COVERED CORPORATION, founded in 2017, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $708K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $686K left a modest 3% surplus.

Mission

PURPOSE IS TO PROVIDE SUPPORT TO SURVIVORS OF HUMAN SEX TRAFFICING WITH THE GOAL OF PHYSICAL, MENTAL, EMOTIONAL AND SPIRITUAL HEALING.

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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 $662,284

Program Service Revenue $0

Investment Income $19,242

Other Revenue $26,555

TOTAL REVENUE $708,081

Expense Breakdown

Grants Paid $0

Salaries & Benefits $493,337

Fundraising Expenses $78,447

Program Expenses $580,611

Other Expenses $192,719

TOTAL EXPENSES $686,056

Year-over-Year Comparison

	2024	2023	Change
Revenue	$708,081	$767,163	-0.1%
Expenses	$686,056	$590,341	+0.2%
Net Income	$22,025	$176,822	-0.9%

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

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

$79,363

Total Directors

$79,363

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHANNA SPILLE	Executive Dir.	40.00	Officer Director	$79,363	$0	$79,363
JOSH DUNCAN	Chairman	6.00	Officer Director	$0	$0	$0
REBEKAH GRAHAM	Treasurer	3.00	Officer Director	$0	$0	$0
JOHN NEILSEN	BOARD MEMBER	3.00	Director	$0	$0	$0
DANIEL SWANSON	Secretary	3.00	Director	$0	$0	$0
ANNEMARIE LISS	BOARD MEMBER	3.00	Director	$0	$0	$0
ANNE BARRINGTON	BOARD MEMBER	3.00	Director	$0	$0	$0
PAUL JIMENEZ	BOARD MEMBER	3.00	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	$708,081	$686,056	$1,003,302	$22,025
2025	$708,081	$686,056	$1,003,302	$22,025
2024	$767,163	$590,341	$652,382	$176,822
2023	$599,159	$464,633	$474,601	$134,526
2022	$202,037	$148,873	$339,221	$53,164
2021	$381,226	$204,315	$285,916	$176,911

COVERED CORPORATION