OPHA MILLER FOUNDATION (EIN 626335685) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1997

Legal Domicile

Principal Officer

REGIONS BANK

Phone

2058203141

Tax Period

2024-12-01 to 2025-11-30

OPHA MILLER FOUNDATION, founded in 1997, is a micro nonprofit in the Education sector that reported $37K in total revenue in fiscal year 2018. Revenue surged 37% from the prior year, signaling strong growth momentum. Expenses of $36K left a modest 3% surplus.

Mission

DISTRIBUTE THE ENTIRE NET INCOME OF THE TRUST IN SUPPORT OF UNION UNIVERSITY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $83,413

Other Revenue $0

TOTAL REVENUE $83,413

Expense Breakdown

Grants Paid $36,726

Salaries & Benefits $18,809

Fundraising Expenses $0

Program Expenses $36,726

Other Expenses $3,409

TOTAL EXPENSES $58,944

Year-over-Year Comparison

	2024	2023	Change
Revenue	$83,413	$60,149	+0.4%
Expenses	$58,944	$42,353	+0.4%
Net Income	$24,469	$17,796	+0.4%

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

N/A

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
REGIONS BANK TRUST DEPARTMENT	TRUSTEE	N/A		$18,809	$0	$18,809
DR SAMUEL DUB OLIVER	COMM MEMB & UNIV PRES	N/A	Officer	$0	$0	$0
DR JOHN ADAMS	COMMITTEE MEMBER	N/A	Officer	$0	$0	$0
LINDA SPARKS	COMMITTEE MEMBER	N/A	Officer	$0	$0	$0
DR JAMES ROY APPLETON	COMM MEMB & UNIV RET EMPLOYEE	N/A	Officer	$0	$0	$0
DR DAVID DOCKERY	COMM MEMB & UNIV PAST PRES	N/A	Officer	$0	$0	$0
DR HYRAN BAREFOOT	COMM MEMB & UNIV PAST PRES	N/A	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	$83,413	$58,944	$1,426,314	$24,469
2024	$60,149	$42,353	$1,186,519	$17,796
2023	$47,614	$41,271	$1,165,506	$6,343
2022	$90,197	$40,639	$1,163,000	$49,558
2021	$82,954	$39,677	$1,116,283	$43,277
2020	$21,944	$36,895	$1,073,138	$-14,951
2019	$37,145	$35,928	$1,087,854	$1,217

OPHA MILLER FOUNDATION