Five Talents USA (EIN 541940918) - 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

1999

Legal Domicile

Principal Officer

Elizabeth Ha

Phone

7032277166

Tax Period

2023-01-01 to 2023-12-31

FIVE TALENTS- USA, founded in 1999, is a small nonprofit in the International Affairs sector that reported $877K in total revenue in fiscal year 2017. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

Five Talents' mission is to transform lives through economic empowerment. We seek to eradicate extreme poverty to the flourishing of communities through development of microenterprise programs.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,341,589

Program Service Revenue $0

Investment Income $6,956

Other Revenue $-6,572

TOTAL REVENUE $1,341,973

Expense Breakdown

Grants Paid $597,314

Salaries & Benefits $489,113

Fundraising Expenses $170,369

Program Expenses $927,581

Other Expenses $132,899

TOTAL EXPENSES $1,220,684

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,341,973	$1,142,110	+0.2%
Expenses	$1,220,684	$1,194,985	+0.0%
Net Income	$121,289	$-52,875	-3.3%

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

$109,482

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elizabeth Ha	CEO	40.00	Officer	$106,293	$3,189	$109,482
Deb Conver	Director	1.00	Director	$0	$0	$0
Bill Eggbeer	Director	1.00	Director	$0	$0	$0
Donna Ivey	Director	1.00	Director	$0	$0	$0
Jim Lewis	Director	1.00	Director	$0	$0	$0
Corky Eddins	Director	1.00	Director	$0	$0	$0
Danielle Tate	Director	1.00	Director	$0	$0	$0
Dana Wichterman	Director	1.00	Director	$0	$0	$0
April Young	Director	1.00	Director	$0	$0	$0
Kim Pacala	Chair	6.00	Officer Director	$0	$0	$0
Francine Maestri	Vice Chair	4.00	Officer Director	$0	$0	$0
Steve Tees	Treasurer	2.00	Officer Director	$0	$0	$0
Jim Oakes	Secretary	4.00	Officer 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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$1,341,973	$1,220,684	$858,248	$121,289
2022	$1,142,110	$1,194,985	$700,400	$-52,875
2021	$1,258,418	$1,034,424	$799,220	$223,994
2020	$1,081,675	$933,349	$413,694	$148,326
2019	$996,805	$900,117	$397,119	$96,688
2018	$876,999	$865,078	$249,890	$11,921

Five Talents USA