BUTTERFLY FINANCIAL EDUCATION (EIN 473698508) - 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

JANET SWOPE

Phone

8442892701

Tax Period

2025-01-01 to 2025-12-31

BUTTERFLY FINANCIAL EDUCATION, founded in 2015, is a small nonprofit in the Human Services sector that reported $286K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $255K left a modest 11% surplus.

Mission

EDUCATE THE PUBLIC ON CONSUMER CREDIT AND PERSONAL FINANCE. In 2025, 12,659 people were served. $11,144 in fees were waived for low income individuals.

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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 $0

Program Service Revenue $286,110

Investment Income $62

Other Revenue $0

TOTAL REVENUE $286,172

Expense Breakdown

Grants Paid $0

Salaries & Benefits $222,418

Fundraising Expenses $0

Program Expenses $216,781

Other Expenses $32,360

TOTAL EXPENSES $254,778

Year-over-Year Comparison

	2025	2024	Change
Revenue	$286,172	$253,921	+0.1%
Expenses	$254,778	$242,832	+0.0%
Net Income	$31,394	$11,089	+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

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

$68,461

Total Directors

$68,461

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANET SWOPE	PRESIDENT	40	Officer Director	$58,461	$10,000	$68,461
JANET FOX	VICE PRESIDENT	1	Officer Director	$0	$0	$0
SUSAN BENTON CLOVER	TREASURER	1	Officer 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
2025	$286,172	$254,778	$116,939	$31,394
2024	$253,921	$242,832	$85,790	$11,089
2023	$211,790	$178,163	$73,777	$33,627

BUTTERFLY FINANCIAL EDUCATION