PEOPLES SETTLEMENT ASSOCIATION (EIN 510065742) - 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

1901

Legal Domicile

Principal Officer

SANDRA L BALLARD

Tax Period

2023-01-01 to 2023-12-31

PEOPLES SETTLEMENT ASSOCIATION, founded in 1901, is a small nonprofit that reported $202K in total revenue in fiscal year 2023. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $242K exceeded revenue, resulting in a 20% operating deficit.

Mission

PROVIDE SOCIAL SERVICES TO THE RESIDENTS OF WILMINGTON, DELAWARE.

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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 $140,982

Program Service Revenue $5,048

Investment Income $0

Other Revenue $55,886

TOTAL REVENUE $201,916

Expense Breakdown

Grants Paid $25

Salaries & Benefits $64,981

Fundraising Expenses $0

Program Expenses $186,010

Other Expenses $176,821

TOTAL EXPENSES $241,827

Year-over-Year Comparison

	2023	2022	Change
Revenue	$201,916	$464,741	-0.6%
Expenses	$241,827	$296,482	-0.2%
Net Income	$-39,911	$168,259	-1.2%

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

Total Directors

$62,587

Key Employees

$32,800

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA L BALLARD	EXECUTIVE DIRECTOR	040.00	Director Key Emp Highest	$32,800	$0	$32,800
WILLARD J CAPES	DRIVER	056.00	Director	$25,028	$0	$25,028
SHARON M JAMES	SR CENTER COORDINATOR	025.00	Director	$3,994	$0	$3,994
MICHAEL K JOHNSON	SR CENTER COORDINATOR	025.00	Director	$765	$0	$765
VALERIE SHARP	PRESIDENT, BOARD OF DIRECTORS	005.00	Officer Director	$0	$0	$0
EDWINA BELL	VICE-PRESIDENT, BOARD OF DIRECTORS	005.00	Officer Director	$0	$0	$0
DR JOHN BYRD	BOARD OF DIRECTORS	005.00	Officer Director	$0	$0	$0
SUMMER ROSE	TREASURER	005.00	Officer Director	$0	$0	$0
NANCY WHEELER	SECRETARY	005.00	Director	$0	$0	$0
ERIC D YOUNG	DRIVER	003.00	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
2024	No data	No data	No data	No data
2023	$201,916	$241,827	$65,073	$-39,911
2022	$464,741	$296,482	$116,237	$168,259
2021	$252,959	$292,156	$231,949	$-39,197
2020	$260,934	$267,669	$409,730	$-6,735

PEOPLES SETTLEMENT ASSOCIATION