GUARANTY FOUNDATION (EIN 473773876) - 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

Forrest Mills

Phone

2253889898

Tax Period

2025-01-01 to 2025-12-31

GUARANTY FOUNDATION, founded in 2015, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $134K in total revenue in fiscal year 2025. Revenue fell 59% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $70K, a strong 52% operating margin.

Mission

Supporting charitable, religious, educational and/or scientific efforts that improve the quality of life in our communities.

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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 $133,680

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $133,680

Expense Breakdown

Grants Paid $63,600

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $63,600

Other Expenses $81

TOTAL EXPENSES $63,681

Year-over-Year Comparison

	2025	2024	Change
Revenue	$133,680	$329,155	-0.6%
Expenses	$63,681	$94,456	-0.3%
Net Income	$69,999	$234,699	-0.7%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Fae A Foster	Trustee	1	Director	$0	$0	$0
Forrest E Mills Jr	CFO	1	Officer Director	$0	$0	$0
Flynn D Foster	Chairman and CEO	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	$133,680	$63,681	$636,229	$69,999
2024	$329,155	$94,456	$544,617	$234,699
2023	$115,000	$82,696	$309,919	$32,304
2022	$140,844	$88,962	$277,614	$51,882
2021	$140,000	$113,763	$226,532	$26,237
2020	$97,500	$63,719	$199,895	$33,781

GUARANTY FOUNDATION