HANDS FOR LIFE (EIN 471325840) - 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

2014

Legal Domicile

Phone

5108581102

Tax Period

2023-01-01 to 2023-12-31

HANDS FOR LIFE, founded in 2014, is a micro nonprofit in the Community Improvement sector that reported $98K in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year.

Mission

The specific purpose of Hands For Life is to create a natural avenue for the underserved financially hard-shipped public to regain their health through chiropractic care along with preventative education so they can understand and practice healthy living habits for healthier life.

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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 $0

Program Service Revenue $97,932

Investment Income $0

Other Revenue $0

TOTAL REVENUE $97,932

Expense Breakdown

Grants Paid $0

Salaries & Benefits $94,284

Fundraising Expenses $0

Program Expenses $96,364

Other Expenses $11,279

TOTAL EXPENSES $105,563

Year-over-Year Comparison

	2023	2022	Change
Revenue	$97,932	$111,719	-0.1%
Expenses	$105,563	$111,727	-0.1%
Net Income	$-7,631	$-8	+952.9%

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

Total Directors

Key Employees

$89,736

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Morgan Oberstein	Chapter Coordinator	30.00	Key Emp	$31,080	$0	$31,080
Mary Oberstein	President	30.00	Key Emp	$46,800	$0	$46,800
James Hook	Chiropractor	30.00	Key Emp	$11,856	$0	$11,856

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	No data	No data	No data	No data
2023	$97,932	$105,563	$94,308	$-7,631
2022	$111,719	$111,727	$101,939	$-8
2021	$106,430	$110,637	$101,947	$-4,207
2020	$108,257	$115,608	$106,154	$-7,351
2019	$109,183	$105,568	$113,505	$3,615

HANDS FOR LIFE