THE SETTLEMENT CLUB (EIN 741200133) - 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

1916

Legal Domicile

Principal Officer

DARCIE DESHAZO GRAHAM

Phone

5128362150

Tax Period

2024-06-01 to 2025-05-31

THE SETTLEMENT CLUB, founded in 1916, is a community nonprofit in the Mental Health sector that reported $8.2M in total revenue in fiscal year 2024.

Mission

SERVICES TO INDIVIDUALS WHO HAVE EXPERIENCED SEVERE EMOTIONAL TRAUMA, ABUSE AND NEGLECT.

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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 $4,162,011

Program Service Revenue $4,214,969

Investment Income $51,531

Other Revenue $-225,587

TOTAL REVENUE $8,202,924

Expense Breakdown

Grants Paid $32,931

Salaries & Benefits $6,349,103

Fundraising Expenses $486,518

Program Expenses $7,575,946

Other Expenses $2,119,719

TOTAL EXPENSES $8,501,753

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,202,924	$7,719,713	+0.1%
Expenses	$8,501,753	$8,264,018	+0.0%
Net Income	$-298,829	$-544,305	-0.5%

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

169

Volunteers

500

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

$378,695

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA SANDALL	BOARD MEMBER	1.00	Director	$0	$0	$0
CATHY BUCHANAN	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
KIMBERLY LOMBARD	PRESIDENT	1.00	Officer Director	$0	$0	$0
JULIE SCHECHTER	BOARD MEMBER	1.00	Director	$0	$0	$0
SUZANNE BLACKBURN	BOARD MEMBER	1.00	Director	$0	$0	$0
RUTH WHITEHURST	TREASURER	1.00	Officer Director	$0	$0	$0
EMILY SHEEHAN	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
JILL ZAMEN	BOARD MEMBER	1.00	Director	$0	$0	$0
BARBARA SALYERS	BOARD MEMBER	1.00	Director	$0	$0	$0
COOKIE BOYD	BOARD MEMBER	1.00	Director	$0	$0	$0
JANET WATSON	RECORDING SECRETARY	1.00	Officer Director	$0	$0	$0
KIM BELEW	TREASURER-ELECT	1.00	Officer Director	$0	$0	$0
CYNTHIA SELMAN	MEMBER-AT-LARGE	1.00	Officer Director	$0	$0	$0
JILL ZEITZ	BOARD MEMBER	1.00	Director	$0	$0	$0
LEIGH ANN BONHAM	BOARD MEMBER	1.00	Director	$0	$0	$0
SHARON WOODUL	BOARD MEMBER	1.00	Director	$0	$0	$0
SUZANNE CLAYTON	BOARD MEMBER	1.00	Director	$0	$0	$0
ANN JONES	BOARD MEMBER	1.00	Director	$0	$0	$0
JEN MOONEY	BOARD MEMBER	1.00	Director	$0	$0	$0
MARIAN KELLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
NICOLE ORIA	BOARD MEMBER	1.00	Director	$0	$0	$0
LARA ANTON	BOARD MEMBER	1.00	Director	$0	$0	$0
PATTIE LOOSE	BOARD MEMBER	1.00	Director	$0	$0	$0
MELANIE JOSEPH	BOARD MEMBER	1.00	Director	$0	$0	$0
DARCIE DESHAZO GRAHAM	EXECUTIVE DIRECTOR	40.00	Officer	$150,279	$12,839	$163,118
JESSICA MCKAY	SENIOR CLINICAL DIRECTOR	40.00	Officer	$116,587	$3,778	$120,365
RENEE RANDOLPH	HR DIRECTOR	40.00	Officer	$92,346	$2,866	$95,212
LUCINDA CASSIDY	DEVELOPMENT DIRECTOR	40.00	Highest	$112,284	$8,036	$120,320

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	$8,202,924	$8,501,753	$5,831,799	$-298,829
2024	$7,719,713	$8,264,018	$5,927,491	$-544,305
2023	$6,764,260	$7,341,827	$6,461,399	$-577,567
2022	$6,077,333	$6,788,604	$6,964,165	$-711,271
2021	$7,820,449	$7,063,378	$7,642,069	$757,071
2020	$6,715,496	$6,893,875	$7,759,488	$-178,379
2019	$6,540,872	$6,533,987	$7,200,304	$6,885

THE SETTLEMENT CLUB