GENERATING INCOME FOR TOMORROW (EIN 850935933) - 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

BRANDON CALLOWAY

Phone

8167667860

Tax Period

2024-05-01 to 2025-04-30

GENERATING INCOME FOR TOMORROW, founded in 2020, is a community nonprofit in the Community Improvement sector that reported $1.0M in total revenue in fiscal year 2024. Revenue fell 50% from the prior year — a significant decline worth monitoring. Expenses of $1.7M exceeded revenue, resulting in a 59% operating deficit.

Mission

TO PROVIDE ASSISTANCE TO MINORITY-OWNED BUSINESSES IN KANSAS CITY, MO LOW-INCOME AREAS.

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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 $1,085,481

Program Service Revenue $444

Investment Income $196

Other Revenue $-44,226

TOTAL REVENUE $1,041,895

Expense Breakdown

Grants Paid $351,007

Salaries & Benefits $916,852

Fundraising Expenses $233,788

Program Expenses $1,196,800

Other Expenses $386,473

TOTAL EXPENSES $1,654,332

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,041,895	$2,081,978	-0.5%
Expenses	$1,654,332	$1,765,737	-0.1%
Net Income	$-612,437	$316,241	-2.9%

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

$387,910

Total Directors

$387,910

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRANDON CALLOWAY	CEO, PRESIDENT	40.00	Officer Director	$122,192	$15,086	$137,278
KARIS HARRINGTON	CPO, SECRETARY	40.00	Officer Director	$111,462	$13,184	$124,646
CORNELL GORMAN	COO, VICE PRESIDENT	40.00	Officer Director	$111,462	$14,524	$125,986
D'JUAN LOVE	BOARD CHAIR	3.00	Officer Director	$0	$0	$0
RYONDA HALL	TREASURER	3.00	Officer Director	$0	$0	$0
CYNTHIA BENBOW	DIRECTOR	3.00	Director	$0	$0	$0
DESHAWN BURTON	DIRECTOR	2.00	Director	$0	$0	$0
RICK LEATHERS	DIRECTOR	2.00	Director	$0	$0	$0
EZE REDWOOD	DIRECTOR	2.00	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	$1,041,895	$1,654,332	$218,162	$-612,437
2024	$2,081,978	$1,765,737	$877,664	$316,241
2023	$1,649,614	$1,530,573	$511,446	$119,041
2022	$1,133,745	$981,288	$295,787	$152,457
2020	$201,499	$77,870	$126,025	$123,629

GENERATING INCOME FOR TOMORROW