CAPITAL PAYEE INC (EIN 461976569) - 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

2015

Legal Domicile

Principal Officer

JULIE ROBERT

Phone

1517098030

Tax Period

2025-01-01 to 2025-12-31

CAPITAL PAYEE INC, founded in 2015, is a small nonprofit in the Human Services sector that reported $429K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

Service is to provide representative payee services to disabled individuals in order to obtain and maintain shelter food medical care clothing benefits to maximize life quality

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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 $428,816

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $428,816

Expense Breakdown

Grants Paid $0

Salaries & Benefits $330,322

Fundraising Expenses $0

Program Expenses $92,779

Other Expenses $92,779

TOTAL EXPENSES $423,101

Year-over-Year Comparison

	2025	2024	Change
Revenue	$428,816	$390,922	+0.1%
Expenses	$423,101	$417,632	+0.0%
Net Income	$5,715	$-26,710	-1.2%

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

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

$158,555

Total Directors

Key Employees

$140,964

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pamela Spicer	Referral Specialist	56.00	Officer Key Emp	$48,563	$0	$48,563
Ashley Schiavetti	Biller SSA Spec	32.00	Key Emp	$54,353	$0	$54,353
JULIE ROBERT	Director	55.00	Officer Highest	$109,992	$0	$109,992
Kimberly Olney	Office mgr	26.00	Key Emp	$38,048	$0	$38,048

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	$428,816	$423,101	$33,378	$5,715
2024	$390,922	$417,632	$27,663	$-26,710
2023	$308,856	$290,432	$54,373	$18,424
2022	$279,269	$252,618	$35,949	$26,651

CAPITAL PAYEE INC