Growing Oaks Association (EIN 834486573) - 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

2019

Legal Domicile

Phone

4056520486

Tax Period

2024-01-01 to 2024-12-31

Growing Oaks Association, founded in 2019, is a small nonprofit in the Education sector that reported $233K in total revenue in fiscal year 2024. Revenue fell 49% from the prior year — a significant decline worth monitoring.

Mission

To facilitate a dignified and certain transition from economic bondage to fiscally secure family life and productive community citizenship by providing educational and supportive services to families and individuals in household finance management

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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 $236,941

Program Service Revenue $0

Investment Income $503

Other Revenue $-4,625

TOTAL REVENUE $232,819

Expense Breakdown

Grants Paid $117,034

Salaries & Benefits $78,584

Fundraising Expenses $0

Program Expenses $214,149

Other Expenses $33,015

TOTAL EXPENSES $228,633

Year-over-Year Comparison

	2024	2023	Change
Revenue	$232,819	$458,114	-0.5%
Expenses	$228,633	$443,631	-0.5%
Net Income	$4,186	$14,483	-0.7%

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

N/A

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

$73,000

Total Directors

$73,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michelle Reynolds	SecretaryTreasurer	40.00	Officer Director	$73,000	$0	$73,000
Mike McPherson	Trustee	2.00	Director	$0	$0	$0
Pamela N Greening	Trustee	5.00	Director	$0	$0	$0
Ingrid Lewis	Trustee	1.00	Director	$0	$0	$0
Donnie Beller	Trustee	1.00	Director	$0	$0	$0
Ronnie Beller	Trustee	1.00	Director	$0	$0	$0
Rick Porras	Trustee	1.00	Director	$0	$0	$0
Mike McPherson	Trustee	1.00	Director	$0	$0	$0
Fred Greening	Chairman	2.00	Officer 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	$232,819	$228,633	$95,608	$4,186
2023	$458,114	$443,631	$91,422	$14,483
2022	$388,780	$377,410	$76,939	$11,370
2022	$388,780	$377,410	$76,939	$11,370
2021	$76,581	$125,561	$65,569	$-48,980
2020	$855,658	$841,109	$114,549	$14,549

Growing Oaks Association