ISOW INC (EIN 851245407) - 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

DR BRYAN CUTSHALL

Phone

4232505001

Tax Period

2024-01-01 to 2024-12-31

ISOW INC, founded in 2020, is a small nonprofit in the Education sector that reported $797K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $888K exceeded revenue, resulting in a 11% operating deficit.

Mission

ISOW IS COMMITTED TO PROVIDING A QUALITY ONLINE BIBLICAL EDUCATION TO STUDENTS AROUND THE WORLD, ESPECIALLY MINISTERS WHO MAY NOT HAVE OTHER OPPORTUNITIES TO SEEK EDUCATION AT TRADITIONAL BRICK & MORTAR INSTITUTIONS.

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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 $389,840

Program Service Revenue $404,218

Investment Income $3,416

Other Revenue $0

TOTAL REVENUE $797,474

Expense Breakdown

Grants Paid $0

Salaries & Benefits $481,281

Fundraising Expenses $108,853

Program Expenses $503,912

Other Expenses $405,319

TOTAL EXPENSES $887,725

Year-over-Year Comparison

	2024	2023	Change
Revenue	$797,474	$927,154	-0.1%
Expenses	$887,725	$1,041,428	-0.1%
Net Income	$-90,251	$-114,274	-0.2%

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

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

$175,592

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR BRYAN CUTSHALL	PRESIDENT	40.00	Officer	$78,560	$0	$78,560
RYAN J HAMILTON	TREASURER	40.00	Officer	$74,000	$0	$74,000
BRITTANY EASTHAM	SECRETARY	20.00	Officer	$23,032	$0	$23,032
FAITH CUTSHALL	VICE PRESIDE	10.00	Officer	$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	$797,474	$887,725	$82,114	$-90,251
2023	$927,154	$1,041,428	$173,769	$-114,274
2022	$860,652	$910,349	$164,502	$-49,697
2022	$860,652	$910,349	$285,912	$-49,697
2021	$816,589	$866,845	$239,405	$-50,256
2021	$816,589	$775,435	$360,815	$41,154

ISOW INC