SAVINGUSA (EIN 843677004) - 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

SUSAN MCCUE

Phone

2027886888

Tax Period

2021-07-01 to 2022-06-30

SAVINGUSA, founded in 2019, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2021. Revenue surged 150% from the prior year, signaling strong growth momentum. The organization ran a surplus of $236K, a strong 19% operating margin.

Mission

SAVINGUSA'S MISSION IS DEDICATED TO RAISING AWARENESS, RESEARCH AND ADVOCACY AROUND ECONOMIC EQUITY AND LIFELONG FINANCIAL SECURITY FOR ALL WORKERS AND THEIR FAMILIES THROUGH IMPROVED SAVINGS AND RETIREMENT PROGRAMS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $1,249,189

Program Service Revenue $0

Investment Income $72

Other Revenue $0

TOTAL REVENUE $1,249,261

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $17,189

Program Expenses $958,169

Other Expenses $1,012,849

TOTAL EXPENSES $1,012,849

Year-over-Year Comparison

	2021	2020	Change
Revenue	$1,249,261	$500,000	+1.5%
Expenses	$1,012,849	$464,213	+1.2%
Net Income	$236,412	$35,787	+5.6%

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
SUSAN MCCUE	DIRECTOR, PRESIDENT	1.00	Officer Director	$0	$0	$0
ALEX VON FURSTENBERG	DIRECTOR, TREASURER	1.00	Officer Director	$0	$0	$0
ALISON VON FURSTENBERG	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL TUBBS	DIRECTOR	1.00	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
2022	$1,249,261	$1,012,849	$602,866	$236,412
2021	$500,000	$464,213	$366,454	$35,787

SAVINGUSA