LIVE & LEARN 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

2017

Legal Domicile

Principal Officer

Gina Malloy

Phone

2023209895

Tax Period

2022-01-01 to 2022-12-31

LIVE & LEARN Inc, founded in 2017, is a micro nonprofit in the Education sector that reported $95K in total revenue in fiscal year 2022. Revenue surged 61% from the prior year, signaling strong growth momentum.

Mission

entrepreneurship training, community problem solving and service

Program Service Accomplishments

Program 1

Expenses: $30,000 Revenue: $74,921

The Junior Entrepreneurship program teaches children in grades K-4 business basics and works with them to perform community service, baking and donating food and meals to shelters and organizations...

Program 2

Expenses: $20,275 Revenue: $0

The Relay Recycling program offers Jamestown residents and visitors an avenue to recycle items not allowed in municipal collection. By partnering with third party vendors, Live & Learn offers 30 free recycling streams and a pay-as-you-go stream through Terracycle. Serves approximately 6000.

Program 3

Expenses: $0 Revenue: $0

The Robotics program created a fourth grade team in the Lego Robotics competition, learning teamwork, coding and project-based strategy. Served 8.

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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 $20,000

Program Service Revenue $74,921

Investment Income $0

Other Revenue $0

TOTAL REVENUE $94,921

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60,636

Fundraising Expenses $0

Program Expenses $50,275

Other Expenses $33,514

TOTAL EXPENSES $94,150

Year-over-Year Comparison

	2022	2021	Change
Revenue	$94,921	$58,933	+0.6%
Expenses	$94,150	$83,063	+0.1%
Net Income	$771	$-24,130	-1.0%

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

Key Employees

$38,500

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gina Malloy JD	Executive Director	25	Key Emp Highest	$38,500	$0	$38,500
Eileen Donnelly	Board President	1	Director	$0	$0	$0
Elaine Evangelista	Board Treasurer	1	Director	$0	$0	$0
Catherine Shafts	Board Secretary	1	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
2022	$94,921	$94,150	$15,398	$771