UNITED WAY OF SOUTHWEST MINNESOTA (EIN 416023143) - 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

1962

Legal Domicile

Principal Officer

MEG LOUWAGIE

Phone

5079292273

Tax Period

2024-07-01 to 2025-06-30

UNITED WAY OF SOUTHWEST MINNESOTA, founded in 1962, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $410K in total revenue in fiscal year 2024. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $519K exceeded revenue, resulting in a 27% operating deficit.

Mission

THE UNITED WAY OF SOUTHWEST MINNESOTA INVESTS DONATIONS INTO OUR COMMUNITIES PRIMARILY THROUGH COMMUNITY IMPACT GRANTS. WE FOCUS ON FOUR KEY AREAS: YOUTH OPPORTUNITY, HEALTHY COMMUNITIES, FINANCIAL SECURITY, AND COMMUNITY RESILIENCE. PROGRAMS THAT RECEIVE FUNDING ARE CAREFULLY SELECTED BASED ON THEIR SIGNIFICANT IMPACT ON THE LIVES OF RESIDENTS IN LINCOLN, LYON, MURRAY, YELLOW MEDICINE, AND PARTS OF COTTONWOOD, LAC QUI PARLE, NOBLES, AND REDWOOD COUNTIES IN MINNESOTA.

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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 $384,166

Program Service Revenue $1,000

Investment Income $20,284

Other Revenue $4,317

TOTAL REVENUE $409,767

Expense Breakdown

Grants Paid $316,305

Salaries & Benefits $129,676

Fundraising Expenses $65,323

Program Expenses $405,605

Other Expenses $72,525

TOTAL EXPENSES $518,506

Year-over-Year Comparison

	2024	2023	Change
Revenue	$409,767	$571,722	-0.3%
Expenses	$518,506	$498,797	+0.0%
Net Income	$-108,739	$72,925	-2.5%

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

201

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

$64,614

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MEG LOUWAGIE	CEO	40.00	Officer	$54,710	$9,904	$64,614
AL CASTOR	CHAIR	3.00	Officer Director	$0	$0	$0
SHAWNA CHRISTIANSON	COMMUNITY IM	3.00	Officer Director	$0	$0	$0
DOUG DESMET	DIRECTOR	3.00	Director	$0	$0	$0
TRACIE HANSEN	DIRECTOR	3.00	Director	$0	$0	$0
ANGIE HENNEN	DIRECTOR	3.00	Director	$0	$0	$0
KIM HOLM	DIRECTOR	3.00	Director	$0	$0	$0
BRIAN JEREMIASON	DIRECTOR	3.00	Director	$0	$0	$0
ANDY LANOUE	DIRECTOR	3.00	Director	$0	$0	$0
MELISSA MARANELL	DIRECTOR	3.00	Director	$0	$0	$0
RACHEL NUESE	DIRECTOR	3.00	Director	$0	$0	$0
MIKE PANKA	DIRECTOR	3.00	Director	$0	$0	$0
CASEY POHLEN	TREASURER	3.00	Officer Director	$0	$0	$0
CHERYL SMITH	DIRECTOR	3.00	Director	$0	$0	$0
MATT SUBY	RESOURCE DEV	3.00	Officer Director	$0	$0	$0
SCOTT VOSS	DIRECTOR	3.00	Director	$0	$0	$0
CEDRIC WILLIAMS	DIRECTOR	3.00	Director	$0	$0	$0
HANS ZAHRBOCK	VICE CHAIR	3.00	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	$409,767	$518,506	$787,438	$-108,739
2024	$571,722	$498,797	$861,140	$72,925
2023	$483,822	$496,551	$820,050	$-12,729
2022	$489,702	$477,078	$830,695	$12,624
2021	$534,393	$550,175	$840,720	$-15,782
2020	$585,539	$544,684	$866,973	$40,855
2019	$666,825	$548,944	$796,062	$117,881

UNITED WAY OF SOUTHWEST MINNESOTA