LOVE TO GROW ON (EIN 411915522) - 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

1998

Legal Domicile

Principal Officer

CAROL KOSKINEN

Phone

7637924428

Tax Period

2023-01-01 to 2023-12-31

LOVE TO GROW ON, founded in 1998, is a community nonprofit in the Human Services sector that reported $2.4M in total revenue in fiscal year 2023.

Mission

CHILD CARE CENTERS, PROVIDING LEARNING OPPORTUNITIES, VALUES AND ENCOURAGEMENT TO CHILDREN AND PARENTS THROUGH OUR EARLY CHILDHOOD PROGRAM, FOCUSING ON SERVING INFANTS THROUGH SCHOOL AGE CHILDREN IN A FULL YEAR.

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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 $165,295

Program Service Revenue $2,238,188

Investment Income $12,996

Other Revenue $0

TOTAL REVENUE $2,416,479

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,632,395

Fundraising Expenses $3,169

Program Expenses $2,136,315

Other Expenses $831,896

TOTAL EXPENSES $2,464,291

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,416,479	$2,242,651	+0.1%
Expenses	$2,464,291	$2,217,196	+0.1%
Net Income	$-47,812	$25,455	-2.9%

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

102

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

$59,913

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL KOSKINEN	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
MARA O'NEILL	SECRETARY	1.00	Officer Director	$0	$0	$0
SUSIE PRUNTY	BOARD MEMBER	1.00	Director	$0	$0	$0
CINDY SAARELA	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHY LERFALD	BOARD MEMBER	1.00	Director	$0	$0	$0
NANCY KOPESKY	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY LYNN CARLSON	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE SAARELA	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTINE SABURN	EXECUTIVE DIRECTOR	40.00	Officer	$59,913	$0	$59,913

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	$2,416,479	$2,464,291	$4,951,951	$-47,812
2022	$2,242,651	$2,217,196	$5,096,874	$25,455
2021	$1,949,539	$1,885,508	$5,216,323	$64,031
2020	$1,904,428	$1,643,808	$5,214,624	$260,620
2019	$1,535,256	$1,471,051	$5,108,491	$64,205

LOVE TO GROW ON