AMERICAN CHARITABLE TRUST INC (EIN 455565349) - 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

Tanya Schwindt

Phone

7194882972

Tax Period

2023-07-01 to 2024-06-30

AMERICAN CHARITABLE TRUST INC, founded in 2012, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $158K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $74K, a strong 47% operating margin.

Mission

HUMANITARIAN ORGANIZATION THAT BELIEVES IN SUPPORTING U.S. CITIZENS. OUR MISSION IS TO GIVE BACK TO AMERICANS, AND ENSURE RESPECT FOR EACH HUMAN BEING, BY PROVIDING ASSISTANCE FOR BASIC NECESSITIES SUCH AS FOOD AND WATER.

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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 $98,395

Program Service Revenue $0

Investment Income $59,281

Other Revenue $0

TOTAL REVENUE $157,676

Expense Breakdown

Grants Paid $80,348

Salaries & Benefits $2,595

Fundraising Expenses $0

Program Expenses $80,348

Other Expenses $1,100

TOTAL EXPENSES $84,043

Year-over-Year Comparison

	2023	2022	Change
Revenue	$157,676	$144,125	+0.1%
Expenses	$84,043	$80,177	+0.0%
Net Income	$73,633	$63,948	+0.2%

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

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

$2,595

Total Directors

$2,595

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TANYA V SCHWINDT	DIRECTOR AND CHIEF FINANCIAL OFFICER	13	Officer Director	$2,595	$0	$2,595
ROBERT R MICHAUD	DIRECTOR AND PRESIDENT	4	Officer Director	$0	$0	$0
EDWIN J HALIK JR	DIRECTOR AND SECRETARY	2	Officer Director	$0	$0	$0
DEANNA MOATS	DIRECTOR	1	Director	$0	$0	$0
SUSAN LEVASSEUR	DIRECTOR	1	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	No data	No data	No data	No data
2024	$157,676	$84,043	$750,128	$73,633
2023	$144,125	$80,177	$630,808	$63,948
2022	$159,671	$66,149	$600,975	$93,522
2021	$177,274	$42,877	$571,084	$134,397

AMERICAN CHARITABLE TRUST INC