CITY FEDERATION OF WOMEN'S CLUBS OF TEMPLE (EIN 741193455) - 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

1915

Legal Domicile

Principal Officer

BEVERLY KERMODE

Phone

2547781771

Tax Period

2022-06-01 to 2023-05-31

CITY FEDERATION OF WOMEN'S CLUBS OF TEMPLE, founded in 1915, is a micro nonprofit that reported $1K in total revenue in fiscal year 2022. Revenue surged 935% from the prior year, signaling strong growth momentum. Expenses of $10K exceeded revenue, resulting in a 607% operating deficit.

Mission

PROVIDE MEETING FACILITY FOR VARIOUS WOMEN'S CLUBS

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $3

Other Revenue $1,435

TOTAL REVENUE $1,438

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,000

Fundraising Expenses $0

Program Expenses $10,165

Other Expenses $1,165

TOTAL EXPENSES $10,165

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,438	$139	+9.3%
Expenses	$10,165	$282,154	-1.0%
Net Income	$-8,727	$-282,015	-1.0%

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
BEVERLY KERMODE	PRESIDENT	4.00	Officer	$0	$0	$0
REBECCA NORTHEN	PAST PRESIDENT	3.00	Officer	$0	$0	$0
HEIDI COUCHMAN	SECRETARY	1.00	Officer	$0	$0	$0
GLORIA HOOPER	TREASURER	3.50	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	$1,438	$10,165	$1,424	$-8,727
2022	$139	$282,154	$10,151	$-282,015
2021	$241,406	$18,184	$292,166	$223,222

CITY FEDERATION OF WOMEN'S CLUBS OF TEMPLE