EVERYDAY PEOPLE FOR CHANGE INC (EIN 463468086) - 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

2013

Legal Domicile

Principal Officer

JESSICA NORWOOD

Phone

2022471760

Tax Period

2024-01-01 to 2024-12-31

EVERYDAY PEOPLE FOR CHANGE INC, founded in 2013, is a community nonprofit in the Community Improvement sector that reported $4.4M in total revenue in fiscal year 2024. Revenue surged 74% from the prior year, signaling strong growth momentum. Expenses of $4.0M left a modest 10% surplus.

Mission

TO PROVIDE SUPPORT TO UNDERSERVED ENTREPRENEURS AND THEIR COMMUNITIES THROUGH LOAN AND EDUCATIONAL PROGRAMS WHICH SUPPORT THEIR BUSINESSES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $3,942,384

Program Service Revenue $414,299

Investment Income $42,048

Other Revenue $0

TOTAL REVENUE $4,398,731

Expense Breakdown

Grants Paid $559,045

Salaries & Benefits $1,704,654

Fundraising Expenses $344,015

Program Expenses $2,317,153

Other Expenses $1,713,030

TOTAL EXPENSES $3,976,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,398,731	$2,529,382	+0.7%
Expenses	$3,976,729	$3,617,603	+0.1%
Net Income	$422,002	$-1,088,221	-1.4%

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

$199,055

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSICA NORWOOD	CHIEF EXECUTIVE OFFICER	40.00	Officer	$199,055	$0	$199,055
TEUMBAY TEE BARNES	VICE PRESIDENT	2.00	Officer	$0	$0	$0
TERESA FOX BETTIS	SECRETARY	2.00	Officer	$0	$0	$0
ARIANNA MCARTHER	TREASURER	2.00	Officer	$0	$0	$0
AISHA BLACKMAN	EMPLOYEE	40.00	Highest	$150,000	$0	$150,000
JAMICA EL	EMPLOYEE	40.00	Highest	$150,000	$0	$150,000
LAURIKA HARRIS-KAYE	EMPLOYEE	40.00	Highest	$150,000	$0	$150,000
NAIMA M MCQUEEN	EMPLOYEE	40.00	Highest	$150,000	$0	$150,000
NINA C ROBINSON	EMPLOYEE	40.00	Highest	$150,000	$0	$150,000

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	$4,398,731	$3,976,729	$8,195,363	$422,002
2023	$2,529,382	$3,617,603	$2,786,106	$-1,088,221
2022	$1,956,817	$1,527,487	$2,939,939	$429,330
2021	$1,729,805	$1,258,739	$2,194,442	$471,066
2020	$1,335,504	$753,970	$1,539,342	$581,534
2019	$716,392	$248,440	$938,128	$467,952
2018	$33,912	$62,923	$470,176	$-29,011

EVERYDAY PEOPLE FOR CHANGE INC