HOPE THROUGH EDUCATION - A FUND FOR BETTER FUTURES INC (EIN 825117718) - 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

2018

Legal Domicile

Principal Officer

SUZANNE HUMBERT

Phone

7325294117

Tax Period

2025-01-01 to 2025-12-31

HOPE THROUGH EDUCATION - A FUND FOR BETTER FUTURES INC, founded in 2018, is a community nonprofit in the Arts, Culture & Humanities sector that reported $1.7M in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $1.5M left a modest 13% surplus.

Mission

THE ORGANIZATION'S MISSION IS TO ENABLE CHILDREN OF LOW-INCOME FAMILIES TO ACQUIRE A QUALITY, VALUES-BASED EDUCATION. THE ORGANIZATION ACHIEVES ITS MISSION BY PROVIDING SCHOLARSHIPS TO DESERVING FAMILIES IN HUNTERDON, MIDDLESEX, SOMERSET AND WARREN COUNTIES IN NEW JERSEY.

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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 $1,837,176

Program Service Revenue $0

Investment Income $0

Other Revenue $-87,605

TOTAL REVENUE $1,749,571

Expense Breakdown

Grants Paid $1,175,110

Salaries & Benefits $216,859

Fundraising Expenses $136,799

Program Expenses $1,226,693

Other Expenses $129,168

TOTAL EXPENSES $1,521,137

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,749,571	$1,441,150	+0.2%
Expenses	$1,521,137	$1,376,066	+0.1%
Net Income	$228,434	$65,084	+2.5%

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

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

$156,046

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGORY ARONEO	DIRECTOR	1.00	Director	$0	$0	$0
OLGA ANNA DUHL	DIRECTOR	1.00	Director	$0	$0	$0
TERRY CONLEY	CHAIRMAN	2.00	Officer Director	$0	$0	$0
EUGENE CORDANO	DIRECTOR	1.00	Director	$0	$0	$0
LESLIE HIRSCH	DIRECTOR	1.00	Director	$0	$0	$0
GLORIA LAGRASSA	DIRECTOR	1.00	Director	$0	$0	$0
DONNA SHAMMO	DIRECTOR	1.00	Director	$0	$0	$0
FRANCIS SHAMMO	TREASURER	1.00	Officer Director	$0	$0	$0
BARBARA STEVENS	DIRECTOR	1.00	Director	$0	$0	$0
FREDRICK ZIWOT	DIRECTOR	1.00	Director	$0	$0	$0
JULIA JACOBSON	DIRECTOR	1.00	Director	$0	$0	$0
TOM TRUE	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
DEREK FERGUSON	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WILLIAMSON	DIRECTOR	1.00	Director	$0	$0	$0
AMY WILLIAMSON	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH BOYLE	SECRETARY	1.00	Officer Director	$0	$0	$0
MONICA MARTINEZ MILAN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID W JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE HUMBERT	PRESIDENT	40.00	Officer	$140,046	$16,000	$156,046

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	$1,749,571	$1,521,137	$599,255	$228,434
2024	$1,441,150	$1,376,066	$399,477	$65,084
2023	$1,136,136	$1,266,271	$234,854	$-130,135
2022	$1,106,699	$953,340	$338,037	$153,359
2021	$999,690	$919,537	$178,385	$80,153
2020	$914,744	$963,348	$93,943	$-48,604
2019	$890,778	$858,743	$141,683	$32,035

HOPE THROUGH EDUCATION - A FUND FOR BETTER FUTURES INC