W Harvey Bryant Charitable Trust (EIN 570814668) - 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

1985

Legal Domicile

Principal Officer

CRAIG MARTIN

Phone

8434236002

Tax Period

2025-01-01 to 2025-12-31

W Harvey Bryant Charitable Trust, founded in 1985, is a micro nonprofit that reported $35K in total revenue in fiscal year 2025. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $14K, a strong 39% operating margin.

Mission

The Trust provides low interest loans to needy students of Marion County. This enables various institutions of higher learning to benefit by having students who without aid would not be able to attend college/tech.

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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 $0

Program Service Revenue $0

Investment Income $34,749

Other Revenue $300

TOTAL REVENUE $35,049

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,324

Fundraising Expenses $0

Program Expenses $5,990

Other Expenses $19,126

TOTAL EXPENSES $21,450

Year-over-Year Comparison

	2025	2024	Change
Revenue	$35,049	$24,293	+0.4%
Expenses	$21,450	$13,824	+0.6%
Net Income	$13,599	$10,469	+0.3%

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

$2,324

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brice Woods	Trustee	0.50	Director	$1,162	$0	$1,162
CRAIG MARTIN	Trustee	0.50	Director	$1,162	$0	$1,162

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	$35,049	$21,450	$1,459,719	$13,599
2024	$24,293	$13,824	$1,241,516	$10,469
2023	$24,648	$15,183	$1,237,785	$9,465
2022	$36,920	$15,581	$1,226,755	$21,339
2021	$32,261	$13,467	$1,203,941	$18,794
2020	$39,245	$15,390	$1,181,396	$23,855
2019	$26,193	$17,330	$1,157,541	$8,863
2018	$25,283	$23,761	$1,148,678	$1,522

W Harvey Bryant Charitable Trust