OPTIONS FOR WOMEN ST CROIX VALLEY

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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

2025-01-01 to 2025-12-31

OPTIONS FOR WOMEN ST CROIX VALLEY, founded in 1987, is a small nonprofit that reported $521K in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $494K left a modest 5% surplus.

Mission

TO SERVE WOMEN AND SAVE BABIES BY PROVIDING HEALTH, EDUCATIONAL, AND SUPPORTIVE PROGRAMS WHILE DEMONSTRATING THE UNCONDITIONAL LOVE OF JESUS CHRIST.

Program Service Accomplishments

Program 1

Expenses: $51,221 Revenue: $51,221

INFORMATION IS PROVIDED TO POTENTIAL CLIENTS AND THE GENERAL PUBLIC REGARDING AVAILABILITY OF CONFIDENTIAL FREE PREGNANCY TESTS AND OPTIONS.

Program 2

Expenses: $372,902 Revenue: $460,482

CLIENTS ARE PROVIDED WITH FREE PREGNANCY TESTING, ULTRASOUNDS, STD/STI TESTING AND TREATMENT, EDUCATION, GUIDANCE, AND CARING SUPPORT.

Program 3

Expenses: $896 Revenue: $9,196

CLIENTS ARE PROVIDED WITH FINANCIAL AND MATERIAL ASSISTANCE SUCH AS BABY CLOTHING, DIAPERS, BABY EQUIPMENT, ETC.

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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 $485,126

Program Service Revenue $0

Investment Income $35,773

Other Revenue $0

TOTAL REVENUE $520,899

Expense Breakdown

Grants Paid $0

Salaries & Benefits $348,845

Fundraising Expenses $251

Program Expenses $425,019

Other Expenses $144,689

TOTAL EXPENSES $493,534

Year-over-Year Comparison

	2025	2024	Change
Revenue	$520,899	$423,808	+0.2%
Expenses	$493,534	$449,784	+0.1%
Net Income	$27,365	$-25,976	-2.1%

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
GREGORY SARNO	TREASURER	2.00	Officer Director	$0	$0	$0
MIKE FUITH	SECRETARY	1.00	Officer Director	$0	$0	$0
LESLIE CHERMAK	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSH TURNER	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
2025	$520,899	$493,534	$1,445,402	$27,365
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