MOZAIC (EIN 812309467) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2016

Legal Domicile

Principal Officer

RAGHAD BUSHNAQ

Phone

7039945179

Tax Period

2024-11-01 to 2025-10-31

MOZAIC, founded in 2000, is a small nonprofit in the Human Services sector that reported $221K in total revenue in fiscal year 2019. Revenue surged 138% from the prior year, signaling strong growth momentum. The organization ran a surplus of $63K, a strong 28% operating margin.

Mission

SUPPORT AND HELP REFUGEES NEEDY WOMEN AND CHILDREN.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $506,273

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $506,273

Expense Breakdown

Grants Paid $0

Salaries & Benefits $118,712

Fundraising Expenses $13,482

Program Expenses $268,958

Other Expenses $295,286

TOTAL EXPENSES $413,998

Year-over-Year Comparison

	2024	2023	Change
Revenue	$506,273	$425,226	+0.2%
Expenses	$413,998	$388,679	+0.1%
Net Income	$92,275	$36,547	+1.5%

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

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
JAWAD BUSHNAQ	SECRETARY	020.00	Officer	$0	$0	$0
RAGHAD BUSHNAQ	PRESIDENT	040.00	Officer	$0	$0	$0
ZAYD BUSHNAQ	TREASURER	001.00	Officer	$0	$0	$0
QURATULAIN MIR	OFFICER	004.00	Officer	$0	$0	$0
ASMA SHABAB	OFFICER	001.00	Officer	$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	$506,273	$413,998	$804,660	$92,275
2024	$425,226	$388,679	$762,485	$36,547
2023	$528,409	$501,366	$784,355	$27,043
2022	$351,134	$291,429	$159,010	$59,705
2021	$220,612	$157,979	$73,806	$62,633
2021	$269,079	$125,860	$217,025	$143,219
2020	$220,612	$157,979	$73,806	$62,633

MOZAIC