The PEARL Foundation Inc (EIN 562638674) - 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

Phone

4042749995

Tax Period

2024-01-01 to 2024-12-31

The PEARL Foundation Inc, founded in 2006, is a small nonprofit in the Human Services sector that reported $303K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $111K, a strong 37% operating margin.

Mission

To improve the well-being of the residents of Georgia and empower individuals for success by making grants and gifts in aid and support of cultural projects, education, health care, financial literacy, and human services.

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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 $163,055

Program Service Revenue $0

Investment Income $39,174

Other Revenue $100,667

TOTAL REVENUE $302,896

Expense Breakdown

Grants Paid $60,000

Salaries & Benefits $0

Fundraising Expenses $53,148

Program Expenses $112,613

Other Expenses $131,976

TOTAL EXPENSES $191,976

Year-over-Year Comparison

	2024	2023	Change
Revenue	$302,896	$277,703	+0.1%
Expenses	$191,976	$165,085	+0.2%
Net Income	$110,920	$112,618	0.0%

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

500

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
Stacy Grooms	President	5.00	Officer	$0	$0	$0
Angela D Sumbry	Vice PresidentFinancial Secretary	2.50	Officer	$0	$0	$0
Kimberley Boyd	Treasurer	5.00	Officer	$0	$0	$0
Tommye Campbell	Development VP	5.00	Officer	$0	$0	$0
Marshai Waiters	Secretary	5.00	Officer	$0	$0	$0
Patricia Atwater	Financial Secretary	2.50	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	No data	No data	No data	No data
2024	$302,896	$191,976	$924,711	$110,920
2023	$277,703	$165,085	$814,654	$112,618
2022	$268,940	$111,015	$707,820	$157,925
2021	$232,718	$107,594	$552,052	$125,124

The PEARL Foundation Inc