SECOND GRACE INC (EIN 850858025) - 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

2020

Legal Domicile

Principal Officer

CANDACE L ABEL

Phone

7178758027

Tax Period

2024-01-01 to 2024-12-31

SECOND GRACE INC, founded in 2020, is a micro nonprofit in the Education sector that reported $79K in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $17K, a strong 21% operating margin.

Mission

EMPOWERMENT AND TRANSFORMATION OF THE LIVES OF AT-RISK SINGLE MOTHERS IN CENTRAL PENNSYLVANIA THROUGH MENTORSHIP.

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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 $78,874

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $78,874

Expense Breakdown

Grants Paid $0

Salaries & Benefits $40,805

Fundraising Expenses $17,480

Program Expenses $31,372

Other Expenses $8,248

TOTAL EXPENSES $62,113

Year-over-Year Comparison

	2024	2023	Change
Revenue	$78,874	$63,772	+0.2%
Expenses	$62,113	$51,677	+0.2%
Net Income	$16,761	$12,095	+0.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CANDACE L ABEL	PRESIDENT	40.00	Officer Director	$0	$0	$0
KELSEY ASHWORTH	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
CARLA RISSMILLER	SECRETARY	10.00	Officer Director	$0	$0	$0
PAUL ROUSE	TREASURER	20.00	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
2025	No data	No data	No data	No data
2024	$78,874	$62,113	$54,059	$16,761
2023	$63,772	$51,677	$37,678	$12,095
2022	$7,892	$2,011	$25,202	$5,881
2021	$9,083	$2,411	$19,321	$6,672
2020	$23,454	$10,805	$11,689	$12,649

SECOND GRACE INC