INTERNATIONAL FORGIVENESS INSTITUTE INC (EIN 391832533) - 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

1994

Legal Domicile

Principal Officer

Robert Enright

Phone

6082220241

Tax Period

2025-01-01 to 2025-12-31

INTERNATIONAL FORGIVENESS INSTITUTE INC, founded in 1994, is a small nonprofit in the International Affairs sector that reported $330K in total revenue in fiscal year 2025. Revenue fell 61% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $243K, a strong 73% operating margin.

Mission

The International Forgiveness Institute is dedicated to helping people gain knowledge about forgiveness and to encourage them to use that knowledge for personal, group, and societal renewal.

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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 $295,381

Program Service Revenue $1,650

Investment Income $33,293

Other Revenue $0

TOTAL REVENUE $330,324

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $84,282

Other Expenses $87,711

TOTAL EXPENSES $87,711

Year-over-Year Comparison

	2025	2024	Change
Revenue	$330,324	$839,020	-0.6%
Expenses	$87,711	$82,653	+0.1%
Net Income	$242,613	$756,367	-0.7%

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
Roy Lloyd	President	001.00	Officer Director	$0	$0	$0
Robert Enright	Vice President	025.00	Officer Director	$0	$0	$0
Amber Osmulski	Board Member	001.00	Officer Director	$0	$0	$0
Dr Federick DiBlasio	Board Member	001.00	Director	$0	$0	$0
Jacqueline Song	Director	012.00	Officer 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	$330,324	$87,711	$1,221,227	$242,613
2024	$839,020	$82,653	$978,930	$756,367
2023	$34,303	$29,515	$181,511	$4,788
2022	$270,938	$225,540	$176,184	$45,398

INTERNATIONAL FORGIVENESS INSTITUTE INC