OPTIONS FOR WOMEN ST CROIX VALLEY (EIN 411593503) - 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

1987

Legal Domicile

Principal Officer

KATHY LOHMER

Phone

6514395964

Tax Period

2023-01-01 to 2023-12-31

OPTIONS FOR WOMEN ST CROIX VALLEY, founded in 1987, is a small nonprofit that reported $439K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $383K left a modest 13% surplus.

Mission

OUR MISSION IS TO STRENGTHEN THE LIVES OF INDIVIDUALS AND FAMILIES BY PROVIDING HEALTH, EDUCATIONAL, AND SUPPORTIVE PROGRAMS THAT PROMOTE LIFE, FOSTER HUMAN DIGNITY, AND BUILD COMMUNITY.

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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 $422,581

Program Service Revenue $0

Investment Income $16,219

Other Revenue $0

TOTAL REVENUE $438,800

Expense Breakdown

Grants Paid $0

Salaries & Benefits $213,278

Fundraising Expenses $49

Program Expenses $317,654

Other Expenses $169,971

TOTAL EXPENSES $383,249

Year-over-Year Comparison

	2023	2022	Change
Revenue	$438,800	$396,511	+0.1%
Expenses	$383,249	$346,254	+0.1%
Net Income	$55,551	$50,257	+0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY LOHMER	PRESIDENT	2.00	Officer Director	$0	$0	$0
DIANE GRUBER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
STEPHANIE OUSDIGIAN	TREASURER	2.00	Officer Director	$0	$0	$0
KARLI RAE KERRSCHNEIDER	SECRETARY	1.00	Officer Director	$0	$0	$0
JIM KREMER	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE FUITH	BOARD MEMBER	1.00	Director	$0	$0	$0
EVAN WILSON	BOARD MEMBER	1.00	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
2024	No data	No data	No data	No data
2023	$438,800	$383,249	$1,444,380	$55,551
2022	$396,511	$346,254	$1,393,749	$50,257
2021	$696,960	$324,952	$1,344,886	$372,008
2020	$365,270	$316,255	$1,008,460	$49,015

OPTIONS FOR WOMEN ST CROIX VALLEY