PAID IN FULL OREGON (EIN 815371204) - 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

Phone

5037990342

Tax Period

2024-01-01 to 2024-12-31

PAID IN FULL OREGON, founded in 2017, is a small nonprofit in the Education sector that reported $408K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $98K, a strong 24% operating margin.

Mission

Paid in Full Oregon Corban University and the Oregon Department of Corrections partner to provide inmates a fully accredited bachelors degree; transforming inmates into spiritual leaders and impacting the prison population throughout the State of Oregon.

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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 (2024)

Revenue Breakdown

Contributions & Grants $326,412

Program Service Revenue $0

Investment Income $6,286

Other Revenue $74,931

TOTAL REVENUE $407,629

Expense Breakdown

Grants Paid $168,170

Salaries & Benefits $100,181

Fundraising Expenses $31,571

Program Expenses $241,160

Other Expenses $40,913

TOTAL EXPENSES $309,264

Year-over-Year Comparison

	2024	2023	Change
Revenue	$407,629	$440,523	-0.1%
Expenses	$309,264	$305,150	+0.0%
Net Income	$98,365	$135,373	-0.3%

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

$5,634

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mike Day	Board Member	1.00	Officer	$0	$0	$0
Brad Parker	Board Member	1.00	Officer	$0	$0	$0
Caryn Ogle	Board Member	1.00	Officer	$0	$0	$0
Ryan Hoppes	Board Member	1.00	Officer	$0	$0	$0
Clifford Jones	Board Member	1.00	Officer	$5,634	$0	$5,634
Tom Kohl	Board Member	30.00	Officer	$0	$0	$0
Jerel Skeith	Executive Director	40.00	Highest	$91,500	$0	$91,500
Sheri Lozano	Board Member	1.00	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	No data	No data	No data	No data
2024	$407,629	$309,264	$710,261	$98,365
2023	$440,523	$305,150	$611,792	$135,373
2021	$393,067	$143,657	$467,007	$249,410

PAID IN FULL OREGON