REALISM IS LOYALTY

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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

2014

Principal Officer

JD CHAPMAN JR

Phone

6162914144

Tax Period

2024-01-01 to 2024-12-31

REALISM IS LOYALTY, founded in 2014, is a small nonprofit in the Human Services sector that reported $573K in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $730K exceeded revenue, resulting in a 27% operating deficit.

Mission

COUNSELING AND GUIDANCE

Program Service Accomplishments

Program 1

Expenses: $537,424 Revenue: $179,849

REALISM IS LOYALTY PROVICES A SAFE, RELATABLE, COMFORABLE SPACE THAT PROMOTES PARTICIPANT SELF-REFLECTION AND INTENSIVE ENGAGEMENT WHILE PROVIDING YOUTH A UNIQUE OPPORTUNITY TO EXPLORE THEIR STORIES AND THE SYSTEMS THAT CREATED THEIR ILLOGICAL THOUGH PROCESSES AND IRRATIONAL BELIEFS. THE GOAL IS TO ADDRESS THE NEGATIVE CHOICES THEY MAKE AND LIFESTYLES THEY LEAD, AND TO SHOW THEM THE REALITY OF WHAT COULD AND SHOULD BE.

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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 $392,363

Program Service Revenue $179,849

Investment Income $1,069

Other Revenue $0

TOTAL REVENUE $573,281

Expense Breakdown

Grants Paid $0

Salaries & Benefits $476,907

Fundraising Expenses $42,922

Program Expenses $537,424

Other Expenses $252,757

TOTAL EXPENSES $729,664

Year-over-Year Comparison

	2024	2023	Change
Revenue	$573,281	$475,082	+0.2%
Expenses	$729,664	$622,584	+0.2%
Net Income	$-156,383	$-147,502	+0.1%

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

$91,889

Total Directors

$194,133

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTOINETTE CHAPMAN	TRUSTEE	40.00	Director	$102,244	$0	$102,244
JD CHAPMAN JR	PRESIDENT	40.00	Officer Director	$91,889	$0	$91,889
AARON JONKER	TRUSTEE	2.00	Director	$0	$0	$0
JULIA KELLY	TREASURER	2.00	Director	$0	$0	$0
WENDY TAYLOR	CHAIR	2.00	Director	$0	$0	$0
CHRISTINE HELMS-MALETIC	SECRETARY	2.00	Officer	$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	$573,281	$729,664	$598,439	$-156,383
2023	$825,915	$621,477	$294,703	$204,438
2022	$454,635	$448,085	$173,778	$6,550
2021	$213,174	$173,298	$58,098	$39,876