For A Loving Future (EIN 871109213) - 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

Legal Domicile

Principal Officer

Gabriela Garza

Phone

4422221291

Tax Period

2024-07-01 to 2025-06-30

For A Loving Future, founded in 2021, is a small nonprofit in the Community Improvement sector that reported $187K in total revenue in fiscal year 2024. Revenue fell 83% from the prior year — a significant decline worth monitoring. Expenses of $565K exceeded revenue, resulting in a 201% operating deficit.

Mission

We have become a grassroots practice-based think tank bringing together grassroots leaders to articulate and share new practice theories emerging from their lifelong community work with a focus on the role of love in creating and sustaining long term multisectoral change in complex adaptive systems.

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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 $158,408

Program Service Revenue $19,414

Investment Income $9,642

Other Revenue $0

TOTAL REVENUE $187,464

Expense Breakdown

Grants Paid $269,244

Salaries & Benefits $178,800

Fundraising Expenses $0

Program Expenses $521,855

Other Expenses $116,564

TOTAL EXPENSES $564,608

Year-over-Year Comparison

	2024	2023	Change
Revenue	$187,464	$1,119,119	-0.8%
Expenses	$564,608	$643,449	-0.1%
Net Income	$-377,144	$475,670	-1.8%

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

$178,800

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sayra Pinto	CEO	40.00	Officer	$107,950	$0	$107,950
Gabriela Garza	CFO	24.00	Officer	$70,850	$0	$70,850
L'Dawn Olsen	Director	0.12	Director	$0	$0	$0
Vanessa Lavandinho	Director	0.12	Director	$0	$0	$0
Cassandra Burson	Director	0.12	Director	$0	$0	$0
Taylor Webber-Fields	Director	0.12	Director	$0	$0	$0
Selene Calderon	Secretary	1.50	Officer	$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	$187,464	$564,608	$356,225	$-377,144
2024	No data	No data	No data	No data
2023	$241,153	$211,831	$259,423	$29,322
2022	$551,092	$483,738	$228,079	$67,354
2021	$436,972	$276,247	$160,725	$160,725

For A Loving Future