YWOW YOUNG WIDOWS OR WIDOWERS (EIN 542036850) - 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

2003

Legal Domicile

Principal Officer

Tammy Smith

Phone

8042015741

Tax Period

2025-01-01 to 2025-12-31

YWOW YOUNG WIDOWS OR WIDOWERS, founded in 2003, is a micro nonprofit in the Human Services sector that reported $3K in total revenue in fiscal year 2020. Revenue fell 33% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $2K, a strong 73% operating margin.

Mission

YWOW strives to provide a safe environment for men and women who have lost their loved ones too early in life. We offer unique mutual support, bereavement resources, and social events in order to help members rebuild their lives, dreams, and identities.

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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 (2025)

Revenue Breakdown

Contributions & Grants $4,320

Program Service Revenue $0

Investment Income $1

Other Revenue $0

TOTAL REVENUE $4,321

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $979

Other Expenses $308

TOTAL EXPENSES $1,287

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,321	$1,025	+3.2%
Expenses	$1,287	$1,139	+0.1%
Net Income	$3,034	$-114	-27.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dave Portner	Second Vice-President - Technology	2	Officer	$0	$0	$0
Marie Galan	Secretary	2	Officer	$0	$0	$0
Tammy Smith	President	3	Officer	$0	$0	$0
Ann Slivinski	Vice-President - Membership	2	Officer	$0	$0	$0
Margaret Hellmuth	Treasurer	2	Officer	$0	$0	$0
Terri Fuller	Events Chairperson	2	Key Emp	$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	$4,321	$1,287	$8,272	$3,034
2024	$1,025	$1,139	$5,238	$-114
2023	$1,695	$1,611	$5,352	$84
2022	$1,072	$1,044	$5,268	$28
2021	$686	$855	$5,241	$-169
2020	$2,692	$717	$5,410	$1,975

YWOW YOUNG WIDOWS OR WIDOWERS