NO MORE UNDER (EIN 843022106) - 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

CHEZIK TSUNODA

Phone

6465221022

Tax Period

2024-01-01 to 2024-12-31

NO MORE UNDER, founded in 2019, is a small nonprofit in the Public Safety sector that reported $371K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $430K exceeded revenue, resulting in a 16% operating deficit.

Mission

WE ARE A BLACK LED 501(C)(3) NONPROFIT ORGANIZATION DEDICATED TO SAVING LIVES THROUGH WATER SAFETY EDUCATION, LEGISLATION, AND INCREASING EQUITABLE ACCESS TO SWIMMING LESSONS AND TOOLS.

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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 $373,548

Program Service Revenue $24,272

Investment Income $3,168

Other Revenue $-30,477

TOTAL REVENUE $370,511

Expense Breakdown

Grants Paid $0

Salaries & Benefits $135,345

Fundraising Expenses $1,014

Program Expenses $324,939

Other Expenses $294,697

TOTAL EXPENSES $430,042

Year-over-Year Comparison

	2024	2023	Change
Revenue	$370,511	$480,566	-0.2%
Expenses	$430,042	$304,737	+0.4%
Net Income	$-59,531	$175,829	-1.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHEZIK TSUNODA	Executive Dir.	20.00	Officer Director	$0	$0	$0
ANISA NUN	Director	1.00	Director	$0	$0	$0
AHADO ABDI	Director	1.00	Director	$0	$0	$0
ELIZABETH TOLEDO	Treasurer	1.50	Officer Director	$0	$0	$0
KATHY GREEN	Director	1.00	Director	$0	$0	$0
RUSNA WALKER	Secretary	1.00	Officer Director	$0	$0	$0
EWWLINA HICKEY	Director	1.00	Director	$0	$0	$0
KIRSTI ROCHON	President	4.00	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	$370,511	$430,042	$160,239	$-59,531
2023	$480,566	$304,737	$219,770	$175,829

NO MORE UNDER