CAPE GIRARDEAU KIWANIS IRREVOCABLE CHARITABLE TRUST (EIN 431483530) - 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

1988

Legal Domicile

Principal Officer

RONALD J GOSCHE

Phone

5733348200

Tax Period

2024-10-01 to 2025-09-30

CAPE GIRARDEAU KIWANIS IRREVOCABLE CHARITABLE TRUST, founded in 1988, is a micro nonprofit that reported $58K in total revenue in fiscal year 2024. Revenue fell 60% from the prior year — a significant decline worth monitoring. Net assets of $836K represent 173 months of operating reserves.

Mission

TO FUND COMMUNITY PROJECTS FROM INVESTMENT EARNINGS

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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 $0

Program Service Revenue $0

Investment Income $54,644

Other Revenue $3,216

TOTAL REVENUE $57,860

Expense Breakdown

Grants Paid $50,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $50,500

Other Expenses $7,875

TOTAL EXPENSES $58,375

Year-over-Year Comparison

	2024	2023	Change
Revenue	$57,860	$143,665	-0.6%
Expenses	$58,375	$37,852	+0.5%
Net Income	$-515	$105,813	-1.0%

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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RONALD J GOSCHE	TRUSTEE	N/A	Director	$0	$0	$0
JEFFERY HINE	TRUSTEE	N/A	Director	$0	$0	$0
TODD OBERGOENNER	TRUSTEE	N/A	Director	$0	$0	$0
RANDY TINGLE	TRUSTEE	N/A	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	$57,860	$58,375	$835,532	$-515
2024	$143,665	$37,852	$836,047	$105,813
2023	$62,399	$37,560	$730,234	$24,839
2022	$41,366	$234,196	$705,395	$-192,830
2021	$104,464	$30,177	$898,225	$74,287
2020	$46,704	$12,233	$823,938	$34,471
2019	$45,963	$20,820	$789,467	$25,143
2018	$23,523	$6,864	$764,324	$16,659

CAPE GIRARDEAU KIWANIS IRREVOCABLE CHARITABLE TRUST