Live and Learn Program (EIN 472086218) - 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

Principal Officer

Michelle Bradshaw

Phone

6025837052

Tax Period

2023-01-01 to 2023-12-31

Live and Learn Program, founded in 2014, is a community nonprofit in the Youth Development sector that reported $1.3M in total revenue in fiscal year 2023. Revenue surged 42% from the prior year, signaling strong growth momentum. The organization ran a surplus of $333K, a strong 26% operating margin.

Mission

Live & Learn empowers women to break the cycle of generational poverty through assisting women to enroll in certification and degree programs, coaching women to develop job readiness skills, apply for jobs, and holding literacy workshops.

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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 $1,273,488

Program Service Revenue $0

Investment Income $22,282

Other Revenue $-331

TOTAL REVENUE $1,295,439

Expense Breakdown

Grants Paid $153,176

Salaries & Benefits $576,725

Fundraising Expenses $148,308

Program Expenses $715,530

Other Expenses $210,342

TOTAL EXPENSES $962,193

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,295,439	$914,394	+0.4%
Expenses	$962,193	$853,880	+0.1%
Net Income	$333,246	$60,514	+4.5%

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

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

$105,219

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kristin Chatsworth	Executive Dir.	40.00	Officer	$93,505	$11,714	$105,219
Michelle Bradshaw	Chair	1.00	Officer Director	$0	$0	$0
Chandima Vithana	Treasurer	1.00	Officer Director	$0	$0	$0
Casey Sanders	Secretary	1.00	Officer Director	$0	$0	$0
Alverta Mckenzie	Past Secretary	1.00	Officer Director	$0	$0	$0
Susanne Johnson	Director	1.00	Director	$0	$0	$0
Gloria McGinty	Director	1.00	Director	$0	$0	$0
Daniel Sciortino	Director	1.00	Director	$0	$0	$0
Leslie Meisner	Director	1.00	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
2024	No data	No data	No data	No data
2023	$1,295,439	$962,193	$1,170,283	$333,246
2022	$914,394	$853,880	$879,609	$60,514
2021	$882,494	$578,570	$741,507	$303,924
2020	$411,534	$398,931	$287,043	$12,603
2019	$354,602	$325,892	$269,714	$28,710
2018	$203,391	$377,518	$245,821	$-174,127

Live and Learn Program