SEED SAVERS EXCHANGE INC (EIN 431214133) - 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

1975

Legal Domicile

Principal Officer

MIKE BOLLINGER

Phone

5633825990

Tax Period

2024-11-01 to 2025-10-31

SEED SAVERS EXCHANGE INC, founded in 1975, is a community nonprofit in the Food, Agriculture & Nutrition sector that reported $6.9M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $6.5M left a modest 7% surplus.

Mission

PRESERVATION OF HERITAGE SEEDS.

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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 $2,760,918

Program Service Revenue $2,641,472

Investment Income $213,786

Other Revenue $1,308,197

TOTAL REVENUE $6,924,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,816,366

Fundraising Expenses $309,884

Program Expenses $4,462,464

Other Expenses $3,646,191

TOTAL EXPENSES $6,462,557

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,924,373	$5,990,252	+0.2%
Expenses	$6,462,557	$6,513,867	0.0%
Net Income	$461,816	$-523,615	-1.9%

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

$312,621

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE BOLLINGER	EX. DIRECTOR	40.00	Officer	$118,899	$10,457	$129,356
LYNNE RILLING	VICE PRESIDE	40.00	Officer	$89,147	$10,742	$99,889
PEGGY MILLER	TREASURER/SE	40.00	Officer	$70,253	$13,123	$83,376
CARINA CAVAGNARO	DIRECTOR	2.00	Director	$0	$0	$0
DENISE COSTICH	DIRECTOR	2.00	Director	$0	$0	$0
DEVIN FOOTE	DIRECTOR	2.00	Director	$0	$0	$0
NEIL HAMILTON	CHAIR	2.00	Director	$0	$0	$0
ELIZABETH SCHNIEDERS	DIRECTOR	2.00	Director	$0	$0	$0
SEAN SHERMAN	DIRECTOR	2.00	Director	$0	$0	$0
DIANE OTT WHEALY	DIRECTOR	2.00	Director	$0	$0	$0
TERESA WIEMERSLAGE	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	$6,924,373	$6,462,557	$10,300,263	$461,816
2024	$5,990,252	$6,513,867	$9,805,654	$-523,615
2023	$6,423,504	$6,508,152	$10,262,739	$-84,648
2022	$7,518,136	$6,615,548	$10,190,481	$902,588
2021	$8,206,101	$6,433,396	$9,798,441	$1,772,705
2020	$6,859,116	$5,942,769	$8,340,832	$916,347
2019	$5,299,252	$5,445,017	$6,921,594	$-145,765

SEED SAVERS EXCHANGE INC