HAVING UNFAIR ADVANTAGE INC C/O JO… - Form 990 Financial Data

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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

2022

Legal Domicile

Principal Officer

JOHN EDDY

Phone

5616595505

Tax Period

2025-01-01 to 2025-12-31

HAVING UNFAIR ADVANTAGE INC C/O JOHN ROBERT EDDY, founded in 2022, is a small nonprofit in the Human Services sector that reported $118K in total revenue in fiscal year 2025. Revenue fell 67% from the prior year — a significant decline worth monitoring. Expenses of $102K left a modest 13% surplus.

Mission

TO PRODUCE AND DISTRIBUTE RELIGIOUS AND MOTIVATION BOOKS TO INMATES AND HELP REINTEGRATE BACK INTO SOCIETY.

Program Service Accomplishments

Program 1

Expenses: $102,001 Revenue: $0

TO PRODUCE AND DISTRIBUTE RELIGIOUS AND MOTIVATION BOOKS TO INMATES AND HELP REINTEGRATE BACK INTO SOCIETY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $117,562

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $117,562

Expense Breakdown

Grants Paid $68,274

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $102,001

Other Expenses $33,727

TOTAL EXPENSES $102,001

Year-over-Year Comparison

	2025	2024	Change
Revenue	$117,562	$354,609	-0.7%
Expenses	$102,001	$339,172	-0.7%
Net Income	$15,561	$15,437	+0.0%

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

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
JOHN EDDY	PRESIDENT	8.00	Officer Director	$0	$0	$0
MONICA EDDY	VICE PRESIDENT	8.00	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
2025	$117,562	$102,001	$583	$15,561
2024	$354,609	$339,172	No data	$15,437
2023	$736,481	$774,964	$339	$-38,483

HAVING UNFAIR ADVANTAGE INC C/O JOHN ROBERT EDDY