ZOBEL ASSOCIATES (EIN 475631372) - 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

2013

Legal Domicile

Principal Officer

Roxanne Huffman

Phone

9199319294

Tax Period

2023-07-01 to 2024-06-30

ZOBEL ASSOCIATES, founded in 2013, is a small nonprofit in the Education sector that reported $668K in total revenue in fiscal year 2023. Revenue surged 37% from the prior year, signaling strong growth momentum. Expenses of $603K left a modest 10% surplus.

Mission

Development, implementation, and execution of educational research into effective teaching strategies to support students with disabilities.

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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 $23,000

Program Service Revenue $645,157

Investment Income $0

Other Revenue $0

TOTAL REVENUE $668,157

Expense Breakdown

Grants Paid $0

Salaries & Benefits $479,208

Fundraising Expenses $0

Program Expenses $602,621

Other Expenses $123,413

TOTAL EXPENSES $602,621

Year-over-Year Comparison

	2023	2022	Change
Revenue	$668,157	$488,000	+0.4%
Expenses	$602,621	$360,566	+0.7%
Net Income	$65,536	$127,434	-0.5%

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

$86,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Terri L Zobel	Vice President	40	Officer	$43,000	$0	$43,000
Virginia C Stanley	Secretary	40	Officer	$43,000	$0	$43,000
Richard Zobel Jr	President	1	Officer	$0	$0	$0
Roxanne G Huffman	Treasurer	40.00	Officer	$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	No data	No data	No data	No data
2024	$668,157	$602,621	$62,850	$65,536
2023	$488,000	$360,566	$63,005	$127,434
2022	$369,370	$396,355	$46,307	$-26,985
2021	$254,094	$241,733	$74,416	$12,361

ZOBEL ASSOCIATES