WOMAN'S EXCHANGE OF ST AUGUSTINE INC (EIN 590638510) - 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

1932

Legal Domicile

Principal Officer

BETSY HARMON

Tax Period

2024-07-01 to 2025-06-30

WOMAN'S EXCHANGE OF ST AUGUSTINE INC, founded in 1932, is a small nonprofit that reported $369K in total revenue in fiscal year 2024. Revenue surged 60% from the prior year, signaling strong growth momentum. The organization ran a surplus of $73K, a strong 20% operating margin.

Mission

HISTORICAL BUILDING PERESERVATION AND INTERPRETATION.

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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 $243,313

Program Service Revenue $124,806

Investment Income $400

Other Revenue $0

TOTAL REVENUE $368,519

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $295,848

Other Expenses $295,848

TOTAL EXPENSES $295,848

Year-over-Year Comparison

	2024	2023	Change
Revenue	$368,519	$230,605	+0.6%
Expenses	$295,848	$256,376	+0.2%
Net Income	$72,671	$-25,771	-3.8%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA BENEDICT	STAFFING CO-	N/A	Director	$0	$0	$0
BRIDGET CARMICHAEL	MEMBERSHIP D	N/A	Officer Director	$0	$0	$0
BECKY COLE	PARLIAMENTAR	N/A	Director	$0	$0	$0
BROOKE GAST	PRESIDENT	N/A	Officer Director	$0	$0	$0
LORI GHIRARDI	STAFFING CO-	N/A	Director	$0	$0	$0
BETSY HARMON	SHOP TREASUR	N/A	Officer Director	$0	$0	$0
CHERYL KAVANAUGH	ASSISTANT TR	N/A	Officer Director	$0	$0	$0
IRENE MERENDA	RECORDING SE	N/A	Officer Director	$0	$0	$0
MARTHA MICKLER	HOUSE OPERAT	N/A	Officer Director	$0	$0	$0
MIMI ROBERSON	VICE PRESIDE	N/A	Officer Director	$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	$368,519	$295,848	$315,477	$72,671
2023	$132,799	$104,103	$275,515	$28,696
2022	$63,806	$86,700	$242,810	$-22,894
2021	$67,177	$64,128	$255,548	$3,049

WOMAN'S EXCHANGE OF ST AUGUSTINE INC