JOSEPHS COAT INC (EIN 411647621) - 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

1989

Legal Domicile

Phone

6512912472

Tax Period

2024-01-01 to 2024-12-31

JOSEPHS COAT INC, founded in 1989, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum.

Mission

PROVIDING GOODS AND SERVICES TO THOSE IN NEED WITHIN AN ENVIRONMENT OF DIGNITY AND RESPECT.

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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 $1,155,967

Program Service Revenue $0

Investment Income $29,005

Other Revenue $36,103

TOTAL REVENUE $1,221,075

Expense Breakdown

Grants Paid $760,436

Salaries & Benefits $271,603

Fundraising Expenses $77,141

Program Expenses $1,082,477

Other Expenses $203,914

TOTAL EXPENSES $1,235,953

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,221,075	$959,184	+0.3%
Expenses	$1,235,953	$1,090,560	+0.1%
Net Income	$-14,878	$-131,376	-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

$115,220

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA BEDNER	Executive Dir.	40.00	Officer	$111,916	$3,304	$115,220
MORGON MAE SCHULTZ	Chairman	1.00	Officer Director	$0	$0	$0
DAMON FRASER	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN NOEL	Vice President	1.00	Officer Director	$0	$0	$0
CONNIE SCHLUNDT	BOARD MEMBER	1.00	Director	$0	$0	$0
TANYA BECK	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDA MISCHKE	Secretary	1.00	Officer Director	$0	$0	$0
ROBERT BOUCHER	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE MAXWELL	Treasurer	1.00	Officer Director	$0	$0	$0
DAVID ANDREWS	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN OLSON	BOARD MEMBER	1.00	Director	$0	$0	$0
BARB PHILLIPS	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	$1,221,075	$1,235,953	$1,466,812	$-14,878
2023	$959,184	$1,090,560	$1,435,939	$-131,376
2022	$1,020,957	$1,062,165	$1,513,378	$-41,208
2021	$880,036	$906,681	$1,436,191	$-26,645
2020	$1,243,514	$1,149,492	$1,421,384	$94,022
2019	$1,890,503	$1,824,593	$1,302,092	$65,910
2018	$1,457,698	$1,345,831	$1,239,034	$111,867

JOSEPHS COAT INC