LOVE INC OF GREATER CUSHING (EIN 562608951) - 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

2006

Legal Domicile

Principal Officer

PHILLIP VINSON

Phone

9182251125

Tax Period

2025-01-01 to 2025-12-31

LOVE INC OF GREATER CUSHING, founded in 2006, is a small nonprofit in the Human Services sector that reported $308K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $73K, a strong 24% operating margin.

Mission

MATCHES NEEDS TO ORGANIZATIONS THAT CAN MEET THOSE NEEDS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $43,350

Program Service Revenue $79,067

Investment Income $1,141

Other Revenue $184,387

TOTAL REVENUE $307,945

Expense Breakdown

Grants Paid $20,687

Salaries & Benefits $136,233

Fundraising Expenses $1,655

Program Expenses $20,687

Other Expenses $77,986

TOTAL EXPENSES $234,906

Year-over-Year Comparison

	2025	2024	Change
Revenue	$307,945	$279,938	+0.1%
Expenses	$234,906	$268,840	-0.1%
Net Income	$73,039	$11,098	+5.6%

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

Volunteers

265

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

$22,748

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAY MILLS	Executive Dir.	40.00	Director	$22,748	$0	$22,748
PHILLIP VINSON	Treasurer	3.00	Officer	$0	$0	$0
SCOTT CAMPBELL	Secretary	5.00	Officer	$0	$0	$0
STEVE BROWN	Vice President	3.50	Officer	$0	$0	$0
GARY DETRICH	President	3.00	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	$307,945	$234,906	$563,530	$73,039
2024	$279,938	$268,840	$500,187	$11,098
2023	$238,760	$251,356	$514,789	$-12,596
2022	$224,914	$176,792	$553,503	$48,122
2021	$196,709	$167,529	$353,945	$29,180
2020	$156,687	$164,830	$323,463	$-8,143
2019	$127,519	$138,121	$327,594	$-10,602
2018	$184,269	$125,409	$339,797	$58,860

LOVE INC OF GREATER CUSHING