Silver Wishes Inc (EIN 863918029) - 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

2021

Principal Officer

Stephanie Berger

Phone

9162877172

Tax Period

2025-01-01 to 2025-12-31

Silver Wishes Inc, founded in 2021, is a small nonprofit in the Human Services sector that reported $185K in total revenue in fiscal year 2025. The organization ran a surplus of $64K, a strong 34% operating margin.

Mission

Silver Wishes is a nonprofit organization dedicated to impacting the lives of seniors in Placer County and surrounding areas by granting one-time meaningful wishes. Their mission is to ensure seniors feel valued honored and supported during difficult times fostering hope through simple gestures gifts or experiences.

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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 $138,422

Program Service Revenue $0

Investment Income $252

Other Revenue $46,182

TOTAL REVENUE $184,856

Expense Breakdown

Grants Paid $106,974

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $106,974

Other Expenses $14,327

TOTAL EXPENSES $121,301

Year-over-Year Comparison

	2025	2024	Change
Revenue	$184,856	N/A	N/A
Expenses	$121,301	N/A	N/A
Net Income	$63,555	$0	N/A

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

$37,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephanie Berger	President Founder	40.00	Officer	$37,200	$0	$37,200
Clark Osterhout	Treasurer	5.00	Officer	$0	$0	$0
Garyn Clyma	Secretary	5.00	Officer	$0	$0	$0
Susan Bristow	Director	2.00	Director	$0	$0	$0
Shirley Heritage	Director	2.00	Director	$0	$0	$0
Dan Barbee	Director	2.00	Director	$0	$0	$0
Kimberly Windle	Director	2.00	Director	$0	$0	$0
Jeff Clyma	Director	2.00	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
2025	$184,856	$121,301	$144,934	$63,555

Silver Wishes Inc