PEARLSTONE FAMILY FUND INC (EIN 521249913) - 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

1982

Legal Domicile

Principal Officer

MARC B TERRILL

Phone

4107274828

Tax Period

2023-01-01 to 2023-12-31

PEARLSTONE FAMILY FUND INC, founded in 1982, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $733K in total revenue in fiscal year 2023. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 51% operating deficit.

Mission

TO CARRY OUT THE CHARITABLE, EDUCATIONAL, AND RELIGIOUS PURPOSES OF THE ASSOCIATED.

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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 $0

Investment Income $732,579

Other Revenue $0

TOTAL REVENUE $732,579

Expense Breakdown

Grants Paid $871,506

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $871,506

Other Expenses $232,799

TOTAL EXPENSES $1,104,305

Year-over-Year Comparison

	2023	2022	Change
Revenue	$732,579	$1,535,849	-0.5%
Expenses	$1,104,305	$1,851,582	-0.4%
Net Income	$-371,726	$-315,733	+0.2%

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

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

$887,930

Total Directors

$887,930

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARC B TERRILL	PRESIDENT & PUBLIC DIRECTOR	0.15	Officer Director	$0	$44,135	$887,930
RICHARD L PEARLSTONE	VICE PRESIDENT & DONOR DIRECTOR	0.15	Officer Director	$0	$0	$0
P JUSTIN PEARLSTONE	VICE PRESIDENT & DONOR DIRECTOR	0.15	Officer Director	$0	$0	$0
JOSHUA FIDLER	SECRETARY/TREASURER, PUBLIC DIRECTOR	0.15	Officer Director	$0	$0	$0
BRUCE SHOLK	PUBLIC DIRECTOR	0.15	Director	$0	$0	$0
AMY ELIAS	DONOR DIRECTOR	0.15	Director	$0	$0	$0
IRWIN KULA	PUBLIC DIRECTOR	0.15	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	$732,579	$1,104,305	$28,293,876	$-371,726
2022	$1,535,849	$1,851,582	$23,592,636	$-315,733
2021	$2,718,656	$1,411,306	$32,235,082	$1,307,350
2020	$1,852,005	$1,482,742	$27,474,431	$369,263

PEARLSTONE FAMILY FUND INC