SEVENTH STREET COFFEE INC (EIN 455198604) - 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

Rebecca Chewning

Phone

8159860628

Tax Period

2025-01-01 to 2025-12-31

SEVENTH STREET COFFEE INC, founded in 2012, is a small nonprofit in the Human Services sector that reported $301K in total revenue in fiscal year 2025. Revenue surged 84% from the prior year, signaling strong growth momentum. Expenses of $266K left a modest 12% surplus.

Mission

To operate a community gathering space in the midtown district of Rockford, Illinois. To promote the building of community by providing a hospitable environment in a challenged neighborhood.

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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 $200,553

Program Service Revenue $100,898

Investment Income $0

Other Revenue $0

TOTAL REVENUE $301,451

Expense Breakdown

Grants Paid $0

Salaries & Benefits $90,238

Fundraising Expenses $4,314

Program Expenses $261,562

Other Expenses $175,638

TOTAL EXPENSES $265,876

Year-over-Year Comparison

	2025	2024	Change
Revenue	$301,451	$163,839	+0.8%
Expenses	$265,876	$222,928	+0.2%
Net Income	$35,575	$-59,089	-1.6%

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

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
JOHN HEINS	BOARD MEMBER	1	Director	$0	$0	$0
ZACH BERGMAN	BOARD MEMBER	1	Director	$0	$0	$0
DENVER BITNER	BOARD MEMBER	2	Director	$0	$0	$0
MARIEL HEINKE	BOARD MEMBER	3	Director	$0	$0	$0
Mike Fager	Board member	3	Director	$0	$0	$0
Judith Johnson	Board Member	3.00	Director	$0	$0	$0
ELAINE BRECK	President	5	Officer	$0	$0	$0
MIKE THOMAS	Secretary	3	Officer	$0	$0	$0
Aurora Schnorr	Vice President	3	Officer	$0	$0	$0
Rebecca Chewning	TREASURER	8.00	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
2025	$301,451	$265,876	$48,954	$35,575
2024	No data	No data	No data	No data
2023	$261,325	$222,458	$72,468	$38,867
2022	$210,283	$221,352	$33,601	$-11,069
2021	$146,725	$168,523	$44,670	$-21,798
2020	$99,884	$150,910	$84,208	$-51,026

SEVENTH STREET COFFEE INC