RICHMOND CPCU SOCIETY CHAPTER (EIN 464970294) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2014

Principal Officer

JANET BUCHANAN

Phone

8047399048

Tax Period

2022-01-01 to 2022-12-31

RICHMOND CPCU SOCIETY CHAPTER, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $206K in total revenue in fiscal year 2018. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $236K exceeded revenue, resulting in a 15% operating deficit.

Mission

EDUCATION AND PROMTION OF INSURANCE.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $5,280

Program Service Revenue $0

Investment Income $6,772

Other Revenue $18,178

TOTAL REVENUE $30,230

Expense Breakdown

Grants Paid $0

Salaries & Benefits $675

Fundraising Expenses $14,455

Other Expenses $18,431

TOTAL EXPENSES $19,106

Year-over-Year Comparison

	2022	2021	Change
Revenue	$30,230	$52,868	-0.4%
Expenses	$19,106	$67,459	-0.7%
Net Income	$11,124	$-14,591	-1.8%

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

N/A

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
JANET BUCHANAN	PRESIDENT	N/A	Officer Director	$0	$0	$0
JENNIFER BLANDFORD	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
GABRIELLE CLAPMAN	TREASURER	N/A	Officer Director	$0	$0	$0
CATHERINE THRIFT	SECRETARY	N/A	Officer Director	$0	$0	$0
CHARITY GRZELECKI	DIRECTOR	N/A	Director	$0	$0	$0
MARCUS HANSEL	DIRECTOR	N/A	Director	$0	$0	$0
DEREK LYNCH	DIRECTOR	N/A	Director	$0	$0	$0
ZUHAIRAH TILLINGHHAST	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTOPHER TOWNSEND	DIRECTOR	N/A	Director	$0	$0	$0
TREDESSA TRAVERS	DIRECTOR	N/A	Director	$0	$0	$0
SUE ZUBOLI	DIRECTOR	N/A	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
2022	$30,230	$19,106	$170,936	$11,124
2021	$52,868	$67,459	$174,631	$-14,591
2020	$118,338	$115,820	$177,056	$2,518
2019	$215,166	$213,633	$174,538	$1,533
2018	$206,218	$236,422	$188,142	$-30,204

RICHMOND CPCU SOCIETY CHAPTER