3 TO 1 FOUNDATION (EIN 752731283) - 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

1997

Legal Domicile

Principal Officer

DARRELL CAIN

Phone

9722333323

Tax Period

2022-12-01 to 2023-11-30

3 TO 1 FOUNDATION, founded in 1997, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $271K in total revenue in fiscal year 2022. Revenue surged 82% from the prior year, signaling strong growth momentum. The organization ran a surplus of $149K, a strong 55% operating margin.

Mission

TO SERVE THE COMMUNITY BY PROVIDING FINANCIAL SEMINARS AND TOOLS FOR BUDGETING, FINANCIAL GOAL SETTING, DEBT MANAGEMENT, INVESTMENT BASICS, WEALTH ACCUMULATION AND WEALTH MANAGEMENT. TO PROVIDE NEED & ACADEMIC-BASED SCHOLARSHIPS FOR COLLEGE STUDENTS.

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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 $29,935

Program Service Revenue $740

Investment Income $184,335

Other Revenue $56,189

TOTAL REVENUE $271,199

Expense Breakdown

Grants Paid $28,000

Salaries & Benefits $70,761

Fundraising Expenses $45,048

Program Expenses $75,137

Other Expenses $22,991

TOTAL EXPENSES $121,752

Year-over-Year Comparison

	2022	2021	Change
Revenue	$271,199	$148,687	+0.8%
Expenses	$121,752	$117,045	+0.0%
Net Income	$149,447	$31,642	+3.7%

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

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

Total Directors

$62,792

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DARRELL CAIN	PRES/BOARD CHAIRMAN	5.00	Officer Director	$0	$0	$0
MICHAEL ROSENBERG	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHELLE BAIRD	BOARD MEMBER	5.00	Director	$0	$0	$0
TONI LEE	BOARD MEMBER	5.00	Director	$0	$0	$0
JOE MILLER	BOARD MEMBER	2.00	Director	$0	$0	$0
RICHARD CHILLEMI II	VICE PRES/BOARD MEMBER	5.00	Officer Director	$0	$0	$0
TIMOTHY LANE	BOARD MEMBER	1.00	Director	$0	$0	$0
WAYNE DOMINICK	FOUNDATION DIRECTOR	40.00	Director	$62,792	$0	$62,792
KIMBERLY MCBRAYER	BOARD MEMBER	1.00	Director	$0	$0	$0
BRETT PIERCE	BOARD MEMBER	5.00	Director	$0	$0	$0
ZANE HARRIS	BOARD MEMBER	5.00	Director	$0	$0	$0
BRENDREN AUSTIN	BOARD MEMBER	5.00	Director	$0	$0	$0
JENNIFER SAUNDERS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRITTANY FRAZIER	BOARD MEMBER	5.00	Director	$0	$0	$0
MEGAN MIERS	BOARD MEMBER	1.00	Director	$0	$0	$0
CRYSTAL DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
JON SOREY	BOARD MEMBER	5.00	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
2024	No data	No data	No data	No data
2023	$271,199	$121,752	$1,221,121	$149,447
2022	$148,687	$117,045	$1,071,103	$31,642
2021	$119,330	$103,627	$1,059,846	$15,703
2020	$80,004	$176,161	$1,024,148	$-96,157
2019	$91,156	$188,951	$1,119,915	$-97,795
2018	$292,033	$164,457	$1,217,710	$127,576

3 TO 1 FOUNDATION