LOVE A CHANCE FOUNDATION (EIN 852120998) - 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

ROBERT RAYMUS

Phone

2098243080

Tax Period

2024-01-01 to 2024-12-31

LOVE A CHANCE FOUNDATION, founded in 2020, is a small nonprofit in the Human Services sector that reported $335K in total revenue in fiscal year 2024. Revenue surged 37% from the prior year, signaling strong growth momentum. The organization ran a surplus of $195K, a strong 58% operating margin.

Mission

TO ADVANCE THE WELFARE OF YOUTH, FAMILIES, SENIORS AND ANIMALS THROUGH CHARITABLE ORGANIZATIONS IN SAN JOAQUIN COUNTY AND BEYOND WITH A LEANING TOWARDS RELIGIOUS, EDUCATION, AND LIFE SUSTAINING FOR ALL, AND MORE PARTICULARLY, TO SUPPORT RELIGIOUS, CHARITABLE, SCIENTIFIC, OR OTHER EDUCATIONAL ORGANIZATIONS EXEMPT FROM TAX UNDR SECTION 501(C)(3) OF THE IRC.

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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 $320,000

Program Service Revenue $0

Investment Income $14,651

Other Revenue $0

TOTAL REVENUE $334,651

Expense Breakdown

Grants Paid $137,300

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $139,639

Other Expenses $2,339

TOTAL EXPENSES $139,639

Year-over-Year Comparison

	2024	2023	Change
Revenue	$334,651	$244,368	+0.4%
Expenses	$139,639	$67,826	+1.1%
Net Income	$195,012	$176,542	+0.1%

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

N/A

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
ROBERT RAYMUS	PRESIDENT	4.00	Director	$0	$0	$0
LAURIE RAYMUS	CFO	4.00	Director	$0	$0	$0
THOMAS RAYMUS	VP	4.00	Director	$0	$0	$0
TRISHA RAYMUS	VP	4.00	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
2024	$334,651	$139,639	$1,087,039	$195,012
2023	$244,368	$67,826	$892,027	$176,542
2022	$-14,670	$26,377	$715,485	$-41,047
2021	$341	$97,370	$756,532	$-97,029
2020	$853,561	No data	$855,136	No data

LOVE A CHANCE FOUNDATION