CADY INC (EIN 571212859) - 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

2005

Legal Domicile

Principal Officer

MICHAEL CONKLIN

Phone

6035369793

Tax Period

2024-01-01 to 2024-12-31

CADY INC, founded in 2005, is a small nonprofit in the Human Services sector that reported $826K in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $953K exceeded revenue, resulting in a 15% operating deficit.

Mission

WORKING WITH SCHOOLS AND COMMUNITIES TO PREVENT AND REDUCE YOUTH ALCOHOL, TOBACCO AND OTHER DRUG USE AND TO PROMOTE A HEALTHY ENVIRONMENT AND PROMISING FUTURES.

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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 $726,830

Program Service Revenue $88,406

Investment Income $6,202

Other Revenue $4,725

TOTAL REVENUE $826,163

Expense Breakdown

Grants Paid $0

Salaries & Benefits $625,559

Fundraising Expenses $0

Program Expenses $778,720

Other Expenses $327,638

TOTAL EXPENSES $953,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$826,163	$1,081,986	-0.2%
Expenses	$953,197	$1,040,790	-0.1%
Net Income	$-127,034	$41,196	-4.1%

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

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

$203,931

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CONKLIN	CHAIR	5.00	Officer Director	$0	$0	$0
MARY COONEY	TREASURER	5.00	Officer Director	$0	$0	$0
MAUREEN EBNER	MEMBER	1.00	Director	$0	$0	$0
LISA LOVETT	MEMBER	1.00	Director	$0	$0	$0
WILLIAM LUTI	MEMBER	1.00	Director	$0	$0	$0
KYLA WELCH	MEMBER	1.00	Director	$0	$0	$0
ANDREW SEEFELD MD	MEMBER	1.00	Director	$0	$0	$0
CLARISSA PALMER	MEMBER	1.00	Director	$0	$0	$0
DEBRA NARO	EXECUTIVE DIRECTOR	40.00	Officer	$138,415	$9,652	$148,067
CASSANDRA MILLAR	DIRECTOR OF FINANCE	40.00	Officer	$55,864	$0	$55,864
SARAH ROBERTS	ASSOC. EXECUTIVE DIRECTOR	40.00	Highest	$110,000	$8,300	$118,300

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
2024	$826,163	$953,197	$909,969	$-127,034
2023	$1,081,986	$1,040,790	$924,008	$41,196
2022	$1,323,312	$1,208,606	$993,866	$114,706
2021	$1,242,103	$1,133,518	$758,057	$108,585
2020	$1,153,178	$929,373	$639,054	$223,805

CADY INC