ASSOCIATION OF OWERRI GIRLS S

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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

Principal Officer

BERNARDETTE OSUJI

Phone

3477615762

Tax Period

2025-01-01 to 2025-12-31

ASSOCIATION OF OWERRI GIRLS S is a micro nonprofit in the International Affairs sector that reported $3K in total revenue in fiscal year 2025. Expenses of $45K exceeded revenue, resulting in a 1217% operating deficit.

Mission

EDUCATION OPPORTUNITIES WE SERVIE THE OMMUNITY BY PROVIFING EDUCATIONLA SCHOLARSHIPS TO YOUNG WOMEN THAT OTHERWISE WOULD NOT BE ABLE TO AFFORD HIGHER EDUCA

Program Service Accomplishments

Program 1

Expenses: $45,262 Revenue: $3,436

SPECIAL KITCHB PROJECT WAS COMPLETED

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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 $3,436

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,436

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $45,262

Other Expenses $45,262

TOTAL EXPENSES $45,262

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,436	N/A	N/A
Expenses	$45,262	N/A	N/A
Net Income	$-41,826	N/A	N/A

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHILOMENA UDE	EXECUTIVE	117	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	$3,436	$45,262	No data	$-41,826
2024	$132,393	$44,798	$128,758	$87,595
2023	$5,189	$64,000	$41,170	$-58,811
2022	$148,246	$61,183	$105,676	$87,063
2021	$4,701	$43,196	$17,498	$-38,495