SETTLED INCORPORATED (EIN 830986347) - 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

Gabrielle Clowdus

Tax Period

2023-01-01 to 2023-12-31

SETTLED INCORPORATED, founded in 2018, is a small nonprofit in the Human Services sector that reported $506K in total revenue in fiscal year 2023. Revenue surged 42% from the prior year, signaling strong growth momentum. Expenses of $468K left a modest 7% surplus.

Mission

Cultivating home with the homeless through the establishment of Supportive Community, Permanent Homes, and Sacred Settlements.

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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 (2023)

Revenue Breakdown

Contributions & Grants $506,101

Program Service Revenue $0

Investment Income $67

Other Revenue $17

TOTAL REVENUE $506,185

Expense Breakdown

Grants Paid $12,101

Salaries & Benefits $158,464

Fundraising Expenses $23,038

Program Expenses $406,973

Other Expenses $297,711

TOTAL EXPENSES $468,276

Year-over-Year Comparison

	2023	2022	Change
Revenue	$506,185	$357,592	+0.4%
Expenses	$468,276	$430,094	+0.1%
Net Income	$37,909	$-72,502	-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

300

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

$54,900

Total Directors

$54,900

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gabrielle Clowdus	CEO	60.00	Officer Director	$54,900	$0	$54,900
Jeff Linert	Treasurer	20.00	Officer Director	$0	$0	$0
Meredith Campbell	Secretary	20.00	Officer Director	$0	$0	$0
Larry Smith	Board Member	5.00	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
2024	No data	No data	No data	No data
2023	$506,185	$468,276	$151,849	$37,909
2022	$357,592	$430,094	$113,269	$-72,502
2021	$469,613	$390,644	$185,204	$78,969

SETTLED INCORPORATED