CRUDUP-WARD ACTIVITY CENTER (EIN 721357124) - 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

1996

Legal Domicile

Principal Officer

Annie R Lowery

Phone

6015072315

Tax Period

2024-01-01 to 2024-12-31

CRUDUP-WARD ACTIVITY CENTER, founded in 1996, is a micro nonprofit in the Human Services sector that reported $11K in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring.

Mission

Activities of the Crudup-Ward Activity Center include the following: (1) The Crudup-Ward Women's Business Center - is committed to providing long term training and counseling to socially and economically disadvantaged women and the others who are interested in starting their own business or enhancing their existing business. (2) Qualified/Certified Housing Grant and Loan Packager on behalf of USDA - assist clients with completing their single family housing application and supporting documentation, credit check, etc. and submit to USDA-RD for clients. (3) Food Pantry Program for low-income families.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,615

Investment Income $0

Other Revenue $0

TOTAL REVENUE $10,615

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,950

Fundraising Expenses $0

Program Expenses $10,545

Other Expenses $6,595

TOTAL EXPENSES $10,545

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,615	$18,694	-0.4%
Expenses	$10,545	$17,719	-0.4%
Net Income	$70	$975	-0.9%

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

N/A

Independent Members

N/A

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

$3,950

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Annie R Lowery	CEO	30	Officer	$3,950	$0	$3,950

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	$10,615	$10,545	$23,731	$70
2023	$18,694	$17,719	$28,731	$975
2022	$20,367	$160,547	$346,194	$-140,180
2021	$282,760	$142,849	$487,938	$139,911
2020	$42,550	$42,590	$333,707	$-40

CRUDUP-WARD ACTIVITY CENTER