AREA MINISTRIES FOR EMERGENCY NEEDS

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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

1992

Legal Domicile

Principal Officer

MARGARET GIRARD

Phone

9799683493

Tax Period

2024-05-01 to 2025-04-30

AREA MINISTRIES FOR EMERGENCY NEEDS, founded in 1992, is a small nonprofit in the Human Services sector that reported $209K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $51K, a strong 24% operating margin.

Mission

WEEKLY FOOD DISTRIBUTIONS OF NON-PERISHABLE ITEMS AND VOUCHERS TO OBTAIN PERSHABLE ITEMS FROM LOCAL GROCERY STORE

Program Service Accomplishments

Program 1

Expenses: $158,426 Revenue: $209,428

Expenses include cost of foods distributed, supplies needed to disburse, and general overhead expenses. Revenue is total program service contributions

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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 $209,240

Program Service Revenue $0

Investment Income $185

Other Revenue $0

TOTAL REVENUE $209,425

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $158,426

Other Expenses $57,931

TOTAL EXPENSES $158,426

Year-over-Year Comparison

	2024	2023	Change
Revenue	$209,425	$233,737	-0.1%
Expenses	$158,426	$201,205	-0.2%
Net Income	$50,999	$32,532	+0.6%

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

N/A

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
Margaret Girard	President	008.00	Officer Director	$0	$0	$0
Susan Pyland	Vice-Presedent	006.00	Officer Director	$0	$0	$0
W O Wood	Secretary	006.00	Officer Director	$0	$0	$0
Garry Schellberg	Treasurer	008.00	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	$209,425	$158,426	$579,444	$50,999
2024	$233,737	$201,205	$528,445	$32,532
2023	$179,122	$159,574	$495,913	$19,548
2022	$151,568	$124,071	$483,282	$27,497
2021	$177,647	$156,615	$455,786	$21,032
2020	$189,374	$72,414	$434,753	$116,960
2019	$150,731	$106,523	$317,382	$44,208