GIRLS INCORPORATED OF OWENSBORO-DAV COUNTY (EIN 610706477) - 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

1969

Legal Domicile

Principal Officer

PATRICIA CORREA-OSBORNE

Phone

2706847833

Tax Period

2023-01-01 to 2023-12-31

GIRLS INCORPORATED OF OWENSBORO-DAV COUNTY, founded in 1969, is a small nonprofit in the Education sector that reported $684K in total revenue in fiscal year 2023. Revenue fell 39% from the prior year — a significant decline worth monitoring. Net assets of $1.7M represent 30 months of operating reserves.

Mission

TO INSPIRE GIRLS TO BE STRONG, SMART AND BOLD.

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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 (2023)

Revenue Breakdown

Contributions & Grants $445,048

Program Service Revenue $42,075

Investment Income $8,239

Other Revenue $188,780

TOTAL REVENUE $684,142

Expense Breakdown

Grants Paid $0

Salaries & Benefits $481,822

Fundraising Expenses $45,533

Program Expenses $576,715

Other Expenses $241,807

TOTAL EXPENSES $723,629

Year-over-Year Comparison

	2023	2022	Change
Revenue	$684,142	$1,119,209	-0.4%
Expenses	$723,629	$631,023	+0.1%
Net Income	$-39,487	$488,186	-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

218

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
LAURA CHAPMAN	PRESIDENT	5.00	Officer Director	$0	$0	$0
ANGELA CLARK	TRUSTEE	1.00	Officer Director	$0	$0	$0
PATRICIA CORREA-OSBORNE	CEO	40.00	Officer Director	$0	$0	$0
COURTNEY CREWS	TRUSTEE	1.00	Officer Director	$0	$0	$0
CALEB FARKAS	TRUSTEE	1.00	Officer Director	$0	$0	$0
MEREDITH GARNER	TRUSTEE	1.00	Officer Director	$0	$0	$0
KAREN GOEDDE	TRUSTEE	1.00	Officer Director	$0	$0	$0
MISSY GRANT	TRUSTEE	1.00	Officer Director	$0	$0	$0
TAUNYA IVERSON	TRUSTEE	1.00	Officer Director	$0	$0	$0
MARIA KELLY	TRUSTEE	1.00	Officer Director	$0	$0	$0
CHERRI LOLLEY	TRUSTEE	1.00	Officer Director	$0	$0	$0
MARK LUCKETT	TRUSTEE	1.00	Officer Director	$0	$0	$0
JARROD MCCARTY	TRUSTEE	1.00	Officer Director	$0	$0	$0
BECCA MCQUEEN-RUARK	TRUSTEE	1.00	Officer Director	$0	$0	$0
LEXIE MEDINA	TRUSTEE	1.00	Officer Director	$0	$0	$0
SUE NAPPER	TRUSTEE	1.00	Officer Director	$0	$0	$0
KRISTA NIEHAUS	TREASURER	5.00	Officer Director	$0	$0	$0
JARED REVLETT	TRUSTEE	1.00	Officer Director	$0	$0	$0
DR VEENA SALLAN	PRESIDENT EL	5.00	Officer Director	$0	$0	$0
DR MAGGIE SERGEANT	SECRETARY	5.00	Officer Director	$0	$0	$0
BETH STEELE	TRUSTEE	1.00	Officer Director	$0	$0	$0
SAMANTH TAYLOR-KA'AI	TRUSTEE	1.00	Officer Director	$0	$0	$0
NIKIE WALKER	TRUSTEE	1.00	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
2024	No data	No data	No data	No data
2023	$684,142	$723,629	$1,762,844	$-39,487
2022	$1,119,209	$631,023	$1,726,463	$488,186
2021	$770,155	$514,608	$1,236,901	$255,547
2020	$586,976	$483,652	$984,921	$103,324
2019	$635,776	$541,981	$890,421	$93,795
2018	$626,824	$576,291	$821,493	$50,533

GIRLS INCORPORATED OF OWENSBORO-DAV COUNTY