LOVING COMFORT & CARE INTERNATIONAL

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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

CHRISTOPHER ARNSFIELD

Phone

4692035357

Tax Period

2023-01-01 to 2023-12-31

LOVING COMFORT & CARE INTERNATIONAL, founded in 2020, is a micro nonprofit in the Housing & Shelter sector that reported $16K in total revenue in fiscal year 2023. Revenue surged 141% from the prior year, signaling strong growth momentum. Expenses of $94K exceeded revenue, resulting in a 502% operating deficit.

Mission

LOVING COMFORT & CARE INTERNATIONAL IS A NONPROFIT CORPORATION, ORGANIZED AND OPERATED EXCLUSIVELY TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES BY PROVIDING AFFORDABLE HOUSING AND A PATHWAY TO HOME OWNERSHIP FOR LOW AND VERY LOW INCOME INDIVIDUALS AND FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $49,025 Revenue: $15,635

THE NONPROFIT IS ORGANIZED AND OPERATED EXCLUSIVELY TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES BY PROVIDING AFFORDABLE HOUSING AND A PATHWAY TO HOME OWNERSHIP FOR LOW AND VERY LOW INCOME...

THE NONPROFIT IS ORGANIZED AND OPERATED EXCLUSIVELY TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES BY PROVIDING AFFORDABLE HOUSING AND A PATHWAY TO HOME OWNERSHIP FOR LOW AND VERY LOW INCOME INDIVIDUALS AND FAMILIES. THE NONPROFIT HAS SPENT THOUSANDS OF HOURS LOCATING POTENTIAL PROPERTIES AND MAKING OFFERS TO PURCHASE AFFORDABLE HOUSING IN FLORIDA, BUT DUE TO THE CURRENT REAL ESTATE MARKET HAVE BEEN OUTBID ALL TIMES. THEREFORE, THEY BRANCHED OUT TO LOCATE PROPERTIES IN ALABAMA WHICH ARE MUCH MORE AFFORDABLE. THE NONPROFIT PURCHASED PROPERTIES IN ALABAMA IN 2022 AND 2023 WHICH ARE BEING RENTED TO LOW INCOME INDIVIDUALS. THE NONPROFIT HAS ALSO INCREASED ITS SOCIAL MEDIA PRESENCE TO OBTAIN DONATIONS TO FUND FUTURE HOUSING PURCHASES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $15,635

Investment Income $0

Other Revenue $0

TOTAL REVENUE $15,635

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $4,880

Program Expenses $49,025

Other Expenses $94,127

TOTAL EXPENSES $94,127

Year-over-Year Comparison

	2023	2022	Change
Revenue	$15,635	$6,482	+1.4%
Expenses	$94,127	$89,573	+0.1%
Net Income	$-78,492	$-83,091	-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

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
CHRISTOPHER ARNSFIELD	PRESIDENT	25.00	Officer Director	$0	$0	$0
BENJAMIN E SMITH	SECRETARY	10.00	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
2023	$15,635	$94,127	$822,261	$-78,492
2022	$6,482	$89,573	$910,162	$-83,091
2021	$631,136	$95,617	$769,298	$535,519
2020	$255,734	$21,955	$233,779	$233,779