INJURED WORKERS' ADVOCATES

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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

1983

Legal Domicile

Principal Officer

MARGARET CREECH

Phone

8438471119

Tax Period

2025-01-01 to 2025-12-31

INJURED WORKERS' ADVOCATES, founded in 1983, is a small nonprofit that reported $355K in total revenue in fiscal year 2025.

Mission

TO PROTECT THE RIGHTS OF INJURED WORKERS AND THEIR FAMILIES IN SOUTH CAROLINA.

Program Service Accomplishments

Program 1

LOBBYING EXPENSES TO MONITOR STATE AND NATIONAL LEGISLATIVE EVENTS THAT AFFECT OR WILL AFFECT THE ASSOCIATIONS' MEMBERS.

Program 2

GENERAL OPERATIONS EXPENSES AND SALARY OF THE EXECUTIVE DIRECTOR. THE EXECUTIVE DIRECTOR RUNS THE ASSOCIATION AND SEES TO ITS DAY TO DAY OPERATIONS. THESE DUTIES ARE TO SCHEDULE THE CONTINUING...

GENERAL OPERATIONS EXPENSES AND SALARY OF THE EXECUTIVE DIRECTOR. THE EXECUTIVE DIRECTOR RUNS THE ASSOCIATION AND SEES TO ITS DAY TO DAY OPERATIONS. THESE DUTIES ARE TO SCHEDULE THE CONTINUING EDUCATION AND SECURE THE SITES FOR MEETINGS, ETC., WHILE ENSURING THAT THE ASSOCIATION MEETS ITS OBLIGATIONS TO ITS MEMBERS AND FULFILLS ITS MISSION.

Program 3

EXPENSES FOR ANNUAL CONFERENCES WHERE MEMBERS RECEIVE UPDATES AND CONTINUING LEGAL EDUCATION AND PARALEGAL SEMINARS WHERE MEMBERS' PARALEGALS RECEIVE TRAINING AND UPDATES.

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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 $268,108

Program Service Revenue $82,170

Investment Income $93

Other Revenue $4,905

TOTAL REVENUE $355,276

Expense Breakdown

Grants Paid $0

Salaries & Benefits $65,337

Fundraising Expenses $0

Other Expenses $300,592

TOTAL EXPENSES $365,929

Year-over-Year Comparison

	2025	2024	Change
Revenue	$355,276	$371,358	0.0%
Expenses	$365,929	$242,609	+0.5%
Net Income	$-10,653	$128,749	-1.1%

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

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
MARGARET CREECH	PRESIDENT	0.00	Officer Director	$0	$0	$0
CORTISHA ALLEYNE	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
JEANNE NORRIS	TREASURER	0.00	Officer Director	$0	$0	$0
PETER LEVENTIS	SECRETARY	0.00	Officer Director	$0	$0	$0
MICHELLE POWERS	IMMEDIATE PAST PRESIDENT	0.00	Officer Director	$0	$0	$0
BEN AKERY	BOARD MEMBER	0.00	Director	$0	$0	$0
DAVID BEALE	BOARD MEMBER	0.00	Director	$0	$0	$0
JOE ANN CALVY	BOARD MEMBER	0.00	Director	$0	$0	$0
VALERIE FULTON	BOARD MEMBER	0.00	Director	$0	$0	$0
SARAH KHOURI	BOARD MEMBER	0.00	Director	$0	$0	$0
BRIAN YOST	BOARD MEMBER	0.00	Director	$0	$0	$0
WHITNEY KLAUCK	EXECUTIVE DIRECTOR	40.00	Highest	$110,375	$1,656	$112,031

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	$355,276	$365,929	$214,175	$-10,653
2024	$371,358	$242,609	$222,861	$128,749
2023	$228,951	$302,419	$97,122	$-73,468
2022	$397,518	$353,548	$177,430	$43,970
2021	$287,553	$292,491	$133,539	$-4,938
2020	$255,199	$274,424	$138,447	$-19,225
2019	$321,740	$294,205	$155,454	$27,535
2018	$302,329	$318,901	$127,437	$-16,572