JUST FOR WOMEN INC

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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

Principal Officer

PHYLLIS DAVIDSON

Phone

8436789544

Tax Period

2024-01-01 to 2024-12-31

JUST FOR WOMEN INC, founded in 2019, is a micro nonprofit in the Religion sector that reported $42K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $53K exceeded revenue, resulting in a 26% operating deficit.

Mission

SPREADING OF THE GOSPEL OF JESUS CHRIST AND ENCOURAGEMENT TO LEAD A CHRISTIAN LIFE MODELING AFTER OUR LORD AND SAVIOR JESUS CHRIST THROUGH VARIOUS BIBLE STUDY MEDIUMS.

Program Service Accomplishments

Program 1

Expenses: $46,816

WEEKLY BIBLE STUDY MEETINGS AND CONFERENCES IN VARIOUS LOCATIONS IN SOUTH CAROLINA AND NORTH CAROLINA.

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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 $42,341

Program Service Revenue $0

Investment Income $6

Other Revenue $0

TOTAL REVENUE $42,347

Expense Breakdown

Grants Paid $0

Salaries & Benefits $36,984

Fundraising Expenses $0

Program Expenses $46,816

Other Expenses $16,432

TOTAL EXPENSES $53,416

Year-over-Year Comparison

	2024	2023	Change
Revenue	$42,347	$44,856	-0.1%
Expenses	$53,416	$47,309	+0.1%
Net Income	$-11,069	$-2,453	+3.5%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHYLLIS DAVIDSON	BOARD CHAIRMAN	5.00	Officer Director	$0	$0	$0
ELEANOR CARSON	BOARD OF DIRECTORS	5.00	Director	$0	$0	$0
JANE GUNTER	BOARD OF DIRECTORS	5.00	Director	$0	$0	$0
ELLEN WILHOIT	BOARD OF DIRECTORS	5.00	Director	$0	$0	$0
CONNIE WOODARD	BOARD OF DIRECTORS	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
2025	No data	No data	No data	No data
2024	$42,347	$53,416	$26,719	$-11,069
2023	$44,856	$47,309	$37,788	$-2,453
2022	$45,318	$54,134	$40,241	$-8,816
2021	$64,054	$55,200	$49,123	$8,854
2020	$113,215	$73,012	$40,292	$40,203