HEALTH-CARE EDUCATION AND LIVING IN POVERTY (EIN 472735838) - 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

2015

Legal Domicile

Principal Officer

Gregory L Waters

Phone

2405358445

Tax Period

2025-01-01 to 2025-12-31

HEALTH-CARE EDUCATION AND LIVING IN POVERTY, founded in 2015, is a small nonprofit in the Education sector that reported $218K in total revenue in fiscal year 2025. The organization ran a surplus of $83K, a strong 38% operating margin.

Mission

(C)HELP, mission is to advance equitable access to capital on terms that are reasonable & sustainable to build assets, benefit communities - within economically distressed populations (with emphasis in rural communities), in support of economic opportunity, affordable housing, and financial products and development & infrastructure services.

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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 (2025)

Revenue Breakdown

Contributions & Grants $217,661

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $217,661

Expense Breakdown

Grants Paid $0

Salaries & Benefits $84,000

Fundraising Expenses $0

Program Expenses $51,094

Other Expenses $51,094

TOTAL EXPENSES $135,094

Year-over-Year Comparison

	2025	2024	Change
Revenue	$217,661	$216,000	+0.0%
Expenses	$135,094	$143,207	-0.1%
Net Income	$82,567	$72,793	+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

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

$84,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gregory Waters	President/CEO	35	Officer Highest	$84,000	$0	$84,000
LeAndra Waters	Vice President	4	Key Emp	$0	$0	$0
Kellie Waters	VP Operations	8	Key Emp	$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
2025	$217,661	$135,094	$751,750	$82,567
2024	$216,000	$143,207	$682,495	$72,793
2023	$198,999	$129,934	$610,769	$69,065
2022	$218,000	$96,606	$532,603	$121,394
2021	$216,000	$103,062	$394,669	$112,938
2020	$216,000	$99,721	$350,922	$116,279

HEALTH-CARE EDUCATION AND LIVING IN POVERTY