American Business Women Association Heart of Birmingham Chapter (EIN 631057285) - 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

2003

Legal Domicile

Principal Officer

Veronica Wallace

Phone

2055153827

Tax Period

2022-08-01 to 2023-07-31

American Business Women Association Heart of Birmingham Chapter, founded in 2003, is a micro nonprofit in the Community Improvement sector that reported $5K in total revenue in fiscal year 2021. Revenue surged 265% from the prior year, signaling strong growth momentum. Expenses of $7K exceeded revenue, resulting in a 23% operating deficit.

Mission

TO BRING TOGETHER BUSINESS WOMEN OF DIVERSE OCCUPATIONS AND PROVIDE OPPORTUNITIES FOR THEM TO HELP THEMSELVES AND OTHERS GROW PERSONALLY AND PROFESSIONALLY AND THROUGH LEADERSHIP EDUCATION NETWORKING SUPPORT AND NATIONAL RECOGNITION

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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 (2022)

Revenue Breakdown

Contributions & Grants $7,085

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $7,085

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $6,726

TOTAL EXPENSES $6,726

Year-over-Year Comparison

	2022	2021	Change
Revenue	$7,085	$5,477	+0.3%
Expenses	$6,726	$6,737	0.0%
Net Income	$359	$-1,260	-1.3%

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
CICELY JONES	PRESIDENT	20.00	Officer	$0	$0	$0
VERONICA WALLACE ANDERSON	VICE PRESIDENT	10.00	Officer	$0	$0	$0
TAMMY MEANS	TREASURER	4.00	Officer	$0	$0	$0
KRISTIE DAVIS	SECRETARY	4.00	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
2023	$7,085	$6,726	$1,027	$359
2022	$5,477	$6,737	$667	$-1,260

American Business Women Association Heart of Birmingham Chapter