NINA JEAN OBEL CHARITABLE TRUST (EIN 756478331) - 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

1998

Legal Domicile

Principal Officer

HAL HABECKER

Phone

2145330301

Tax Period

2023-01-01 to 2023-12-31

NINA JEAN OBEL CHARITABLE TRUST, founded in 1998, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $78K in total revenue in fiscal year 2023. Revenue fell 63% from the prior year — a significant decline worth monitoring. Expenses of $199K exceeded revenue, resulting in a 156% operating deficit.

Mission

TO SUPPORT THE EFFORTS OF CHARITABLE CHRISTIAN ORGANIZATIONS THAT QUALIFY AS PUBLIC CHARITIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $77,727

Other Revenue $0

TOTAL REVENUE $77,727

Expense Breakdown

Grants Paid $157,215

Salaries & Benefits $17,196

Fundraising Expenses $0

Program Expenses $157,215

Other Expenses $24,583

TOTAL EXPENSES $198,994

Year-over-Year Comparison

	2023	2022	Change
Revenue	$77,727	$207,906	-0.6%
Expenses	$198,994	$223,908	-0.1%
Net Income	$-121,267	$-16,002	+6.6%

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

$17,196

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HAL HABECKER	TRUSTEE	3.00	Director	$17,196	$0	$17,196

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$77,727	$198,994	$1,423,220	$-121,267
2022	$207,906	$223,908	$1,544,487	$-16,002
2021	$277,127	$262,345	$1,560,489	$14,782
2020	$22,570	$232,418	$1,545,707	$-209,848

NINA JEAN OBEL CHARITABLE TRUST