WAVERLY-SHELL ROCK AREA UNITED WAY (EIN 421098807) - 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

1980

Legal Domicile

Principal Officer

JILL KRALL

Phone

3193522582

Tax Period

2025-01-01 to 2025-12-31

WAVERLY-SHELL ROCK AREA UNITED WAY, founded in 1980, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $350K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year.

Mission

RAISE AND DISTRIBUTE FUNDS TO TAX EXEMPT ORGANIZATIONS THAT PROVIDE HUMAN SERVICES FOR THE BETTERMENT OF THE RESIDENTS OF NORTHEASTERN IOWA.

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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 $348,846

Program Service Revenue $0

Investment Income $969

Other Revenue $0

TOTAL REVENUE $349,815

Expense Breakdown

Grants Paid $226,850

Salaries & Benefits $73,201

Fundraising Expenses $0

Program Expenses $301,085

Other Expenses $79,217

TOTAL EXPENSES $379,268

Year-over-Year Comparison

	2025	2024	Change
Revenue	$349,815	$374,195	-0.1%
Expenses	$379,268	$345,296	+0.1%
Net Income	$-29,453	$28,899	-2.0%

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

N/A

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
AMY DERIFIELD	PRESIDENT	2.00	Officer Director	$0	$0	$0
EMILY MCCLIMON	TREASURER	2.00	Officer Director	$0	$0	$0
JEAN BUCKINGHAM	SECRETARY	2.00	Officer Director	$0	$0	$0
JOEL BECKER	DIRECTOR	2.00	Director	$0	$0	$0
MICKEY BAHLMAN	DIRECTOR	2.00	Director	$0	$0	$0
RANEE VEVOS	DIRECTOR	2.00	Director	$0	$0	$0
ELEIGH DAVIS	DIRECTOR	2.00	Director	$0	$0	$0
JAMES JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
DEB LORD	DIRECTOR	2.00	Director	$0	$0	$0
MONICA SEVERSON	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL SPAULDING	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER SMITH	DIRECTOR	2.00	Director	$0	$0	$0
BECKY PROSTINE	DIRECTOR	2.00	Director	$0	$0	$0
ZACH WELLS	DIRECTOR	2.00	Director	$0	$0	$0
DEREK SOLHEIM	DIRECTOR	2.00	Director	$0	$0	$0
SUE RAND	DIRECTOR	2.00	Director	$0	$0	$0
ROSE ZEPEDA	DIRECTOR	2.00	Director	$0	$0	$0
MIKE BLAIR	DIRECTOR	2.00	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	$349,815	$379,268	$431,351	$-29,453
2024	$374,195	$345,296	$456,601	$28,899
2023	$279,277	$363,842	$420,160	$-84,565
2022	$328,304	$245,991	$490,245	$82,313
2021	$245,208	$252,577	$396,147	$-7,369
2020	$323,263	$250,842	$428,516	$72,421

WAVERLY-SHELL ROCK AREA UNITED WAY