SHOALS SAV-A-LIFE INC (EIN 631132468) - 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

1994

Legal Domicile

Phone

2567400640

Tax Period

2024-01-01 to 2024-12-31

SHOALS SAV-A-LIFE INC, founded in 1994, is a small nonprofit in the Religion sector that reported $393K in total revenue in fiscal year 2018. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $463K exceeded revenue, resulting in a 18% operating deficit.

Mission

PROMOTE SANCTITY OF LIFE

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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 $345,346

Program Service Revenue $0

Investment Income $4,957

Other Revenue $0

TOTAL REVENUE $350,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $256,793

Fundraising Expenses $26,905

Program Expenses $335,035

Other Expenses $118,864

TOTAL EXPENSES $375,657

Year-over-Year Comparison

	2024	2023	Change
Revenue	$350,303	$420,618	-0.2%
Expenses	$375,657	$410,569	-0.1%
Net Income	$-25,354	$10,049	-3.5%

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

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
KRISINA D STOKES	EXECUTIVE DIRECTOR	32.00	Director	$0	$0	$0
MAURICE MCCANEY	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
STEVE HUSKEY	CHAIRMAN	0.00	Officer Director	$0	$0	$0
KIMBERLY BUTLER	SECRETARY	0.00	Officer Director	$0	$0	$0
JENNIFER SMITH	BOARD MEMBER	0.00	Director	$0	$0	$0
ALISHA MICHAEL	TREASURER	0.00	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	$350,303	$375,657	$915,330	$-25,354
2023	$415,672	$410,569	$938,488	$5,103
2022	$519,195	$509,684	$935,012	$9,511
2021	$666,112	$478,486	$933,484	$187,626
2020	$523,168	$399,964	$751,120	$123,204
2019	$444,412	$476,432	$637,447	$-32,020
2018	$392,661	$462,973	$660,873	$-70,312

SHOALS SAV-A-LIFE INC