HEARTS & HANDS SCHOLARSHIP FUND (EIN 621663866) - 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

1992

Legal Domicile

Principal Officer

Sandra Headrick

Phone

8653233889

Tax Period

2025-01-01 to 2025-12-31

HEARTS & HANDS SCHOLARSHIP FUND, founded in 1992, is a micro nonprofit in the Education sector that reported $83K in total revenue in fiscal year 2025. The organization ran a surplus of $34K, a strong 40% operating margin.

Mission

We provide scholarship gifts for tuition and other costs associated with attending accredited secondary education institutions (colleges and trade schools) to residents of Townsend, TN, wishing to further their education.

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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 $72,008

Program Service Revenue $0

Investment Income $11,004

Other Revenue $0

TOTAL REVENUE $83,012

Expense Breakdown

Grants Paid $40,200

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $49,430

Other Expenses $9,230

TOTAL EXPENSES $49,430

Year-over-Year Comparison

	2025	2024	Change
Revenue	$83,012	$82,721	+0.0%
Expenses	$49,430	$56,312	-0.1%
Net Income	$33,582	$26,409	+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

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
Sandra Headrick	President	1	Officer	$0	$0	$0
Cindy Cutting	Treasurer	5	Officer	$0	$0	$0
Deb Dickie	Secretary	5	Officer	$0	$0	$0
Sara Hill	Board Member	5	Officer	$0	$0	$0
Julie Prater	Board Member	5	Officer	$0	$0	$0
Gayle Girard	Board Member	1	Officer	$0	$0	$0
Loren Abbott	Board Member	1	Officer	$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	$83,012	$49,430	$582,213	$33,582

HEARTS & HANDS SCHOLARSHIP FUND