BAKER GERTRUDE-TR-COMBINED BAKER (EIN 387191488) - 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

2016

Legal Domicile

Phone

2155533344

Tax Period

2025-01-01 to 2025-12-31

BAKER GERTRUDE-TR-COMBINED BAKER, founded in 2016, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $233K in total revenue in fiscal year 2025. Revenue surged 119% from the prior year, signaling strong growth momentum. The organization ran a surplus of $72K, a strong 31% operating margin.

Mission

The Combined Baker Trust conducts its operations by making grants to qualified individuals and 501(c)(3) organizations that are part of the community served by the Presbytery of Philadelphia, First Presbyterian Church in Germantown, and Philadelphia Yearly Meeting of Religious Society of Friends

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $233,072

Other Revenue $0

TOTAL REVENUE $233,072

Expense Breakdown

Grants Paid $114,000

Salaries & Benefits $46,089

Fundraising Expenses $0

Program Expenses $114,000

Other Expenses $1,058

TOTAL EXPENSES $161,147

Year-over-Year Comparison

	2025	2024	Change
Revenue	$233,072	$106,625	+1.2%
Expenses	$161,147	$153,187	+0.1%
Net Income	$71,925	$-46,562	-2.5%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARISSA RENSHAW WHITMAN	TRUSTEE	N/A	Director	$0	$0	$0
DONALD PIZAR	TRUSTEE, THE FIRST PRESBYTERIAN CHURCH I	N/A	Director	$0	$0	$0
FAITH WOLFORD	TRUSTEE, THE FIRST PRESBYTERIAN CHURCH I	N/A	Director	$0	$0	$0
EARL BALL	TRUSTEE, THE PRESBYTERY OF PHILADELPHIA	N/A	Director	$0	$0	$0
SHARON HARVEY	TRUSTEE, THE PRESBYTERY OF PHILADELPHIA	N/A	Director	$0	$0	$0
LINNELL MCCURRY	TRUSTEE, PHILA YEARLY MEETING OF RELIGIO	N/A	Director	$0	$0	$0
N/A	TRUSTEE	N/A		$46,089	$0	$46,089

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	$233,072	$161,147	$2,689,037	$71,925
2024	$106,625	$153,187	$2,617,788	$-46,562
2023	$186,433	$150,293	$2,664,171	$36,140
2022	$66,061	$155,357	$2,628,264	$-89,296
2021	$248,103	$143,258	$2,716,790	$104,845

BAKER GERTRUDE-TR-COMBINED BAKER