THE PEARL GROUP INC (EIN 455530404) - 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

HAL BAGLEY

Tax Period

2023-01-01 to 2023-12-31

THE PEARL GROUP INC, founded in 2012, is a small nonprofit in the Human Services sector that reported $184K in total revenue in fiscal year 2023. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $268K exceeded revenue, resulting in a 46% operating deficit.

Mission

THE TAX EXEMPT NON-PROFIT CHARITABLE MISSION OF THE PEARL GROUP, INC. IS TO CREATE, IMPLEMENT AND PROVIDE SUSTAINABLE PROGRAMS WHEREBY SINGLE PARENT FAMILIES FIND HOPE AND SKILLS NECESSARY TO BUILD AN ECONOMICALLY AND EMOTIONALLY STABLE HOME ENVIRONMENT.

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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 $119,036

Program Service Revenue $26,315

Investment Income $298

Other Revenue $37,914

TOTAL REVENUE $183,563

Expense Breakdown

Grants Paid $0

Salaries & Benefits $96,039

Fundraising Expenses $0

Program Expenses $267,675

Other Expenses $171,636

TOTAL EXPENSES $267,675

Year-over-Year Comparison

	2023	2022	Change
Revenue	$183,563	$266,293	-0.3%
Expenses	$267,675	$271,304	0.0%
Net Income	$-84,112	$-5,011	+15.8%

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

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
HAL BAGLEY	BOARD CHAIR	8.00	Officer Director	$0	$0	$0
SARAH HAAN	BOARD MEMBER	2.00	Director	$0	$0	$0
MORGAN HOLTRY	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBRA LARKIN	BOARD MEMBER	6.00	Director	$0	$0	$0
SANDRA MCLATCHIE	BOARD MEMBER	2.00	Director	$0	$0	$0
SCOTT OWEN	BOARD MEMBER	8.00	Director	$0	$0	$0
CHRIS RAY	BOARD MEMBER	3.00	Director	$0	$0	$0
ANGIE SANDERS	TREASURER	4.00	Officer Director	$0	$0	$0
KELLI SMITH	SECRETARY	6.00	Officer Director	$0	$0	$0
SHELLEY TAYLOR	BOARD MEMBER	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
2024	No data	No data	No data	No data
2023	$183,563	$267,675	$187,958	$-84,112
2022	$266,293	$271,304	$265,047	$-5,011
2021	$311,933	$277,458	$273,705	$34,475
2020	$308,408	$203,671	$231,146	$104,737
2019	$182,268	$124,475	$127,245	$57,793

THE PEARL GROUP INC