DR WM ES FLORY SMALL BUSINESS DEVELOPMENT CENTER INC (EIN 541587460) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

LINDA D DECKER

Phone

7033352500

Tax Period

2018-01-01 to 2018-12-31

DR WM ES FLORY SMALL BUSINESS DEVELOPMENT CENTER INC, founded in 1991, is a small nonprofit that reported $337K in total revenue in fiscal year 2018. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $639K exceeded revenue, resulting in a 90% operating deficit.

Mission

ASSISTANCE TO SMALL BUSINESSES IN CREATING EMPLOYMENT OPPORTUNITIES AND INCREASING REVENUE.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $296,450

Program Service Revenue $0

Investment Income $40,318

Other Revenue $0

TOTAL REVENUE $336,768

Expense Breakdown

Grants Paid $0

Salaries & Benefits $444,094

Fundraising Expenses $0

Program Expenses $616,056

Other Expenses $194,439

TOTAL EXPENSES $638,533

Year-over-Year Comparison

	2018	2017	Change
Revenue	$336,768	$537,875	-0.4%
Expenses	$638,533	$488,255	+0.3%
Net Income	$-301,765	$49,620	-7.1%

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

$108,752

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK O'LEARY	CHAIRMAN	2.00	Officer Director	$0	$0	$0
LORNA WALLEN	VICE CHAIR	2.00	Officer Director	$0	$0	$0
FRANK JONES	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
LINDA D DECKER	PRESIDENT	70.00	Officer	$108,752	$0	$108,752

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
2018	$336,768	$638,533	$74,561	$-301,765

DR WM ES FLORY SMALL BUSINESS DEVELOPMENT CENTER INC