Cents Ability Inc

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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

Principal Officer

Alexa DuPont Bell

Phone

2122787646

Tax Period

2020-01-01 to 2020-12-31

Cents Ability Inc, founded in 2004, is a small nonprofit in the Community Improvement sector that reported $392K in total revenue in fiscal year 2020. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $378K left a modest 3% surplus.

Mission

The Organization is dedicated to educating and empowering high school students to achieve their goals through the prudent and informed management of their financial resources.

Program Service Accomplishments

Program 1

Expenses: $285,268 Revenue: $391,670

The education and empowerment of high school students to effectively manage their financial affairs.

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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 (2020)

Revenue Breakdown

Contributions & Grants $391,670

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $391,670

Expense Breakdown

Grants Paid $0

Salaries & Benefits $238,041

Fundraising Expenses $6,319

Program Expenses $285,268

Other Expenses $139,224

TOTAL EXPENSES $377,976

Year-over-Year Comparison

	2020	2019	Change
Revenue	$391,670	$330,889	+0.2%
Expenses	$377,976	$365,209	+0.0%
Net Income	$13,694	$-34,320	-1.4%

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	Role	Reportable Comp	Other Comp	Total
Alexa DuPont Bell	Chairman	Director	$0	$0	$0
Mark Kaplan	Secretary	Director	$0	$0	$0
Conner McGee	Treasurer	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
2020	$391,670	$377,976	$86,737	$13,694
2019	$330,889	$365,209	$100,821	$-34,320
2018	$297,617	$318,984	$102,215	$-21,367