PRIME JEWELRY GROUP (EIN 562386069) - 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

2002

Legal Domicile

Principal Officer

TAMMY LAIL

Phone

3379452558

Tax Period

2024-05-01 to 2025-04-30

PRIME JEWELRY GROUP, founded in 2002, is a small nonprofit that reported $442K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $664K exceeded revenue, resulting in a 50% operating deficit.

Mission

BUSINESS LEAGUE CREATED TO ESTABLISH AN ECONOMIC MODEL FOR MARKETING TO INDEPENDENT JEWELERS IN HIGH-RISK RETAIL MARKETS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $15,500

Program Service Revenue $426,063

Investment Income $0

Other Revenue $0

TOTAL REVENUE $441,563

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $663,592

TOTAL EXPENSES $663,592

Year-over-Year Comparison

	2024	2023	Change
Revenue	$441,563	$481,658	-0.1%
Expenses	$663,592	$427,440	+0.6%
Net Income	$-222,029	$54,218	-5.1%

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

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
JADE LUNYONG	DIRECTOR	2.00	Director	$0	$0	$0
HARRY STUBBERT	PRESIDENT	2.00	Officer	$0	$0	$0
DAVID SIMINSKI	TREASURER	2.00	Officer	$0	$0	$0
ROBERT LOVING	VENDOR CHAIR	2.00	Officer	$0	$0	$0
TAMMY LAIL	MARKETING CHAIR	2.00	Officer	$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	$441,563	$663,592	$267,004	$-222,029
2024	$481,658	$427,440	$504,533	$54,218
2023	$514,774	$507,127	$466,315	$7,647
2022	$92,000	$23,739	$460,168	$68,261
2021	$26,000	$59,383	$384,407	$-33,383

PRIME JEWELRY GROUP