Just Creations Inc

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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

1995

Legal Domicile

Principal Officer

Lowell Miller

Phone

9196051410

Tax Period

2022-04-01 to 2023-03-31

Just Creations Inc, founded in 1995, is a micro nonprofit that reported $2K in total revenue in fiscal year 2022. Expenses of $2K exceeded revenue, resulting in a 15% operating deficit.

Mission

The organization provides vital, fair income to low-income artisans by marketing their handicrafts and telling their stories in North America.

Program Service Accomplishments

Program 1

Expenses: $2,318 Revenue: $0

Closed the retail space due to reduced sales impacted by the pandemic. To provide hope to impoverished artisans. Safeguard natural resources. Educate our community on the power of Fair Trade to...

Closed the retail space due to reduced sales impacted by the pandemic. To provide hope to impoverished artisans. Safeguard natural resources. Educate our community on the power of Fair Trade to address the root causes of poverty.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $2,014

TOTAL REVENUE $2,014

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,318

Other Expenses $2,318

TOTAL EXPENSES $2,318

Year-over-Year Comparison

	2022	2021	Change
Revenue	$2,014	$1,915	+0.1%
Expenses	$2,318	$4,018	-0.4%
Net Income	$-304	$-2,103	-0.9%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kristine Ashwood	Executuve Director	2	Officer Director Key Emp	$0	$0	$0
Jeff Hudak	Chair	2	Officer Director	$0	$0	$0
Lowell Miller	Treasurer	2	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
2023	$2,014	$2,318	No data	$-304
2022	$1,915	$4,018	$5,534	$-2,103
2021	$55,106	$113,118	$9,864	$-58,012