KW SAVINGS CO (EIN 451285216) - 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

2011

Legal Domicile

Principal Officer

DINAH RAVEN

Phone

8037966060

Tax Period

2023-01-01 to 2023-12-31

KW SAVINGS CO, founded in 2011, is a small nonprofit in the Environment sector that reported $155K in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $78K, a strong 50% operating margin.

Mission

TO PROMOTE SOCIAL WELFARE BY FINANCIALLY SUPPORTING SOCIAL PROGRAMS DIRECTED TOWARD IMPROVING THE EFFICIENCY AND CONSERVATION OF ENERGY BY RESIDENTS OF THE COMMUNITY AND COMBATING DETERIORATION OF RESIDENTIAL HOUSING IN THE COMMUNITY.

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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 $0

Program Service Revenue $57,522

Investment Income $97,732

Other Revenue $0

TOTAL REVENUE $155,254

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $63,580

Other Expenses $77,295

TOTAL EXPENSES $77,295

Year-over-Year Comparison

	2023	2022	Change
Revenue	$155,254	$129,559	+0.2%
Expenses	$77,295	$176,174	-0.6%
Net Income	$77,959	$-46,615	-2.7%

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

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
MARVIN SOX	PRESIDENT	2.00	Officer Director	$0	$0	$0
MIKE COUICK	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
DOUG REEVES	DIRECTOR	1.00	Director	$0	$0	$0
GARY STOOKSBURY	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT HOCHSTETLER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
RON CALCATERRA	DIRECTOR	1.00	Director	$0	$0	$0
CHAD LOWDER	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
JAY KIRBY	DIRECTOR	1.00	Director	$0	$0	$0
JEFF LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
LINDSEY SMITH	CHIEF OPERATING OFFICER	1.00	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
2024	No data	No data	No data	No data
2023	$155,254	$77,295	$3,960,806	$77,959
2022	$129,559	$176,174	$3,668,894	$-46,615
2021	$138,618	$175,309	$3,448,612	$-36,691
2020	$119,011	$117,589	$3,216,929	$1,422
2019	$126,280	$201,910	$3,171,370	$-75,630
2018	$153,843	$114,560	$3,588,445	$39,283

KW SAVINGS CO