SUFFER OUT LOUD (EIN 815336718) - 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

2017

Legal Domicile

Principal Officer

RACHEL CALDWELL

Phone

4069201677

Tax Period

2025-01-01 to 2025-12-31

SUFFER OUT LOUD, founded in 2017, is a small nonprofit in the Mental Health sector that reported $257K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $74K, a strong 29% operating margin.

Mission

WE'RE COMMITTED TO REDUCING MONTANA SUICIDE RATES AND SHIFTING THE STIGMA AROUND MENTAL HEALTH, ONE CONVERSATION - AND ONE LIFE - AT A TIME. WE ENVISION A FUTURE WHERE ALL MONTANANS CAN SAFELY AND COMFORTABLY ASK FOR AND ACCESS MENTAL HEALTHCARE WHEN, WHERE, AND HOW THEY NEED IT.

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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 (2025)

Revenue Breakdown

Contributions & Grants $257,652

Program Service Revenue $0

Investment Income $0

Other Revenue $-287

TOTAL REVENUE $257,365

Expense Breakdown

Grants Paid $0

Salaries & Benefits $99,406

Fundraising Expenses $32,652

Program Expenses $110,537

Other Expenses $83,992

TOTAL EXPENSES $183,398

Year-over-Year Comparison

	2025	2024	Change
Revenue	$257,365	$220,146	+0.2%
Expenses	$183,398	$192,775	0.0%
Net Income	$73,967	$27,371	+1.7%

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

$76,928

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL CALDWELL	Executive Dir.	40.00	Officer	$76,928	$0	$76,928
DANIEL BAKER	Director	1.00	Director	$0	$0	$0
STEPHANIE JOHNSON	President	1.00	Officer Director	$0	$0	$0
LAUREN BOLAND	Vice President	1.00	Officer Director	$0	$0	$0
HANNAH BREW	Director	1.00	Director	$0	$0	$0
HEATHER MURPHY	Treasurer	1.00	Officer Director	$0	$0	$0
DYLAN HANNES	Director	1.00	Director	$0	$0	$0
PRECIOUS OLATIDE	Director	1.00	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
2025	$257,365	$183,398	$251,295	$73,967
2024	$220,146	$192,775	$179,553	$27,371
2023	$200,374	$148,193	$152,865	$52,181

SUFFER OUT LOUD