PV GROWS INVESTMENT FUND INC (EIN 474254347) - 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

JOHN WAITE

Phone

4137747204

Tax Period

2023-07-01 to 2024-06-30

PV GROWS INVESTMENT FUND INC, founded in 2015, is a micro nonprofit in the Community Improvement sector that reported $25K in total revenue in fiscal year 2023. Revenue fell 64% from the prior year — a significant decline worth monitoring.

Mission

THE PV GROWS INVESTMENT FUND, INC. (PVGIF) PROVIDES FINANCING AND TECHNICAL ASSISTANCE TO LOCAL FARM AND FOOD BUSINESSES THROUGH COMMUNITY INVESTMENTS. PVGIF OFFERS AN INVESTMENT VEHICLE FOR INDIVIDUALS, INSTITUTIONS AND FOUNDATIONS TO INVEST IN BUILDING A HEALTHIER FOOD SYSTEM. TOGETHER, WE WILL ALL WORK TO STRENGTHEN AND GROW THE LOCAL FOOD ECONOMY, MORE VIBRANT FARMS AND FOOD BUSINESSES, MORE LOCAL JOBS, AND MORE ACCESS TO HEALTHY FOOD IN THE PIONEER VALLEY.

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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 $25,000

Investment Income $0

Other Revenue $0

TOTAL REVENUE $25,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $21,580

Fundraising Expenses $0

Program Expenses $24,964

Other Expenses $3,384

TOTAL EXPENSES $24,964

Year-over-Year Comparison

	2023	2022	Change
Revenue	$25,000	$69,724	-0.6%
Expenses	$24,964	$149,460	-0.8%
Net Income	$36	$-79,736	-1.0%

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

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

$129,094

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET CHRISTIE	DIRECTOR	1.00	Director	$0	$0	$0
JOE SHOENFELD	DIRECTOR	1.00	Director	$0	$0	$0
JOHN WAITE	PRESIDENT, TREASURER, CLER	40.00	Officer	$0	$5,084	$129,094

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	No data	No data	No data	No data
2024	$25,000	$24,964	$2,121,098	$36
2023	$69,724	$149,460	$2,439,684	$-79,736
2022	$96,721	$89,027	$2,256,347	$7,694
2021	$84,307	$84,354	$2,121,098	$-47
2020	$85,791	$136,395	$1,937,826	$-50,604
2019	$69,600	$64,168	$1,749,285	$5,432

PV GROWS INVESTMENT FUND INC