OSAGE FINANCIAL RESOURCES INC (EIN 861066065) - 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

2004

Legal Domicile

Principal Officer

SHARON DAMRON

Phone

9182871989

Tax Period

2024-01-01 to 2024-12-31

OSAGE FINANCIAL RESOURCES INC, founded in 2004, is a small nonprofit in the Housing & Shelter sector that reported $184K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $412K exceeded revenue, resulting in a 124% operating deficit.

Mission

TO ALLEVIATE POVERTY AND REVITALIZE RURAL COMMUNINTIES IN OSAGE COUNTY AND NE OKLAHOMA BY PROVIDING LOANS FOR AFFORDABLE HOUSING DEVEOPMENT AND LOANS TO INCREASE AND PRESERVE HOMEONWERSHIP OPPORTUNITIES. TO FURNISH HOMEBUYERS FINANCIAL EDUCATION FOR LOW & MODERATE INCOMES.

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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 $0

Program Service Revenue $183,522

Investment Income $0

Other Revenue $0

TOTAL REVENUE $183,522

Expense Breakdown

Grants Paid $3,500

Salaries & Benefits $168,643

Fundraising Expenses $0

Program Expenses $333,220

Other Expenses $239,827

TOTAL EXPENSES $411,970

Year-over-Year Comparison

	2024	2023	Change
Revenue	$183,522	$163,785	+0.1%
Expenses	$411,970	$466,471	-0.1%
Net Income	$-228,448	$-302,686	-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

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

$155,186

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD N SHAW	EXECUTIVE DIRECTOR	40.00	Key Emp	$76,629	$9,572	$86,201
SHANNON L CASS	FINANCIAL MANAGER	40.00	Key Emp	$61,180	$7,805	$68,985
BILLIE PONCA	DIRECTOR AT LARGE	1.00	Director	$0	$0	$0
JULIA WILSON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
RHONDA WALLACE	SECRETARY	1.00	Officer Director	$0	$0	$0
SHARON DAMRON	PRESIDENT	1.00	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
2024	$183,522	$411,970	$3,494,495	$-228,448
2023	$163,785	$466,471	$3,729,826	$-302,686
2022	$149,090	$421,512	$4,036,584	$-272,422
2021	$172,546	$430,053	$4,289,875	$-257,507
2020	$251,750	$454,813	$4,556,512	$-203,063
2019	$218,759	$371,184	$4,753,623	$-152,425
2018	$234,605	$435,026	$4,917,343	$-200,421

OSAGE FINANCIAL RESOURCES INC