TOLEDO URBAN FOUNDATION INC (EIN 454650966) - 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

2012

Legal Domicile

Principal Officer

SUZETTE COWELL

Phone

4192558876

Tax Period

2020-01-01 to 2020-12-31

TOLEDO URBAN FOUNDATION INC, founded in 2012, is a micro nonprofit in the Public & Societal Benefit sector that reported $7 in total revenue in fiscal year 2020. Revenue decreased 12% compared to the prior year. Expenses of $323K exceeded revenue, resulting in a 4620371% operating deficit.

Mission

TO PROVIDE A COMMUNITY DEVELOPMENT CREDIT UNION THAT SERVES LOW TO MODERATE INCOME INDIVIDUALS OF CENTRAL TOLEDO.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $7

TOTAL REVENUE $7

Expense Breakdown

Grants Paid $304,381

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $323,433

Other Expenses $19,052

TOTAL EXPENSES $323,433

Year-over-Year Comparison

	2020	2019	Change
Revenue	$7	$8	-0.1%
Expenses	$323,433	$25,688	+11.6%
Net Income	$-323,426	$-25,680	+11.6%

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
JAMES WEBER	BOARD MEMBER	0.50	Director	$0	$0	$0
LAURIE CANTRELL	BOARD MEMBER	0.50	Director	$0	$0	$0
MIKE KILLIAN	BOARD MEMBER	0.50	Director	$0	$0	$0
SUZETTER COWELL	BOARD MEMBER	0.50	Director	$0	$0	$0
RICHARD LAVALLEY JR	PRESIDENT	0.50	Officer	$0	$0	$0
DEBBIE BEYER	TREASURER	0.50	Officer	$0	$0	$0
FRANCES SMITH	SECRETARY	0.50	Officer	$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
2020	$7	$323,433	$12	$-323,426
2019	$8	$25,688	$929,735	$-25,680
2018	$26,135	$26,430	$983,951	$-295

TOLEDO URBAN FOUNDATION INC