THRIVING4LIFE INC (EIN 842878348) - 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

Principal Officer

DEBORAH FERRIS

Phone

6157143911

Tax Period

2025-01-01 to 2025-12-31

THRIVING4LIFE INC, founded in 2019, is a micro nonprofit in the Health Care sector that reported $29K in total revenue in fiscal year 2025. Revenue fell 84% from the prior year — a significant decline worth monitoring. Expenses of $109K exceeded revenue, resulting in a 269% operating deficit.

Mission

IMPROVING LIVES OF INDIVIDUALS WITH COGNITIVE, MENTAL, OR OTHER DISORDERS THROUGH ART & MUSIC

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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 $29,437

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $29,437

Expense Breakdown

Grants Paid $0

Salaries & Benefits $91,697

Fundraising Expenses $0

Program Expenses $63,536

Other Expenses $16,994

TOTAL EXPENSES $108,691

Year-over-Year Comparison

	2025	2024	Change
Revenue	$29,437	$183,897	-0.8%
Expenses	$108,691	$166,006	-0.3%
Net Income	$-79,254	$17,891	-5.4%

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

$59,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BETH HERCHER	CHAIR	0.30	Officer Director	$0	$0	$0
BRENDA RADFORD	SECRETARY	0.50	Officer Director	$0	$0	$0
JOHN ABEL	DIRECTOR	0.30	Director	$0	$0	$0
BRENDA GROVES	DIRECTOR	0.30	Director	$0	$0	$0
DEBORAH FERRIS	PRESIDENT	35.00	Officer	$59,500	$0	$59,500

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	$29,437	$108,691	$65,162	$-79,254
2024	$183,897	$166,006	$144,476	$17,891
2023	$237,337	$206,919	$128,996	$30,418
2022	$215,466	$159,255	$99,762	$56,211

THRIVING4LIFE INC