Earning for Life Inc (EIN 651192488) - 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

2004

Legal Domicile

Phone

9783681200

Tax Period

2025-01-01 to 2025-12-31

Earning for Life Inc, founded in 2004, is a small nonprofit in the Community Improvement sector that reported $342K in total revenue in fiscal year 2025. Revenue fell 45% from the prior year — a significant decline worth monitoring. Expenses of $451K exceeded revenue, resulting in a 32% operating deficit.

Mission

Acting as a title holding company for a 501c3 organization

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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 $100,000

Program Service Revenue $0

Investment Income $241,847

Other Revenue $0

TOTAL REVENUE $341,847

Expense Breakdown

Grants Paid $325,000

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $126,240

TOTAL EXPENSES $451,240

Year-over-Year Comparison

	2025	2024	Change
Revenue	$341,847	$622,765	-0.5%
Expenses	$451,240	$716,775	-0.4%
Net Income	$-109,393	$-94,010	+0.2%

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

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
David L Taylor	President Treasurer	005.00	Officer Director	$0	$0	$0
Linda M Taylor	Clerk	001.00	Officer Director	$0	$0	$0
Gustavo Barrios	Vice President	001.00	Officer Director	$0	$0	$0
RoosMarie Barrios	Vice President	001.00	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
2025	$341,847	$451,240	$6,313,500	$-109,393
2024	$622,765	$716,775	$6,214,543	$-94,010
2023	$601,300	$439,388	$6,171,581	$161,912
2022	$331,644	$466,470	$6,597,798	$-134,826
2021	$149,045	$447,266	$6,288,741	$-298,221
2020	$105,316	$332,616	$6,236,134	$-227,300
2019	$72,608	$182,180	$6,166,499	$-109,572
2018	$181,904	$435,512	$5,037,013	$-253,608

Earning for Life Inc