THE PETERMAN INITIATIVE LTD

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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

STANLEY M PETERMAN JR

Phone

3177146036

Tax Period

2023-01-01 to 2023-12-31

THE PETERMAN INITIATIVE LTD, founded in 2021, is a micro nonprofit in the Public & Societal Benefit sector that reported $14K in total revenue in fiscal year 2023. Revenue fell 89% from the prior year — a significant decline worth monitoring. Expenses of $59K exceeded revenue, resulting in a 320% operating deficit.

Mission

TO PROVIDE CHARITABLE SUPPORT TO MILITARY VETERANS, FIRST RESPONDERS, AND TO CAUSES PROMOTING EDUCATION AND RELIGION.

Program Service Accomplishments

Program 1

Expenses: $53,421

SUPPORTING MILITARY VETERANS, FIRST RESPONDERS, AND CAUSES PROMOTING EDUCATION AND RELIGION.

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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 $10,168

Program Service Revenue $0

Investment Income $3,970

Other Revenue $0

TOTAL REVENUE $14,138

Expense Breakdown

Grants Paid $53,421

Salaries & Benefits $0

Fundraising Expenses $410

Program Expenses $53,421

Other Expenses $5,989

TOTAL EXPENSES $59,410

Year-over-Year Comparison

	2023	2022	Change
Revenue	$14,138	$129,776	-0.9%
Expenses	$59,410	$24,230	+1.5%
Net Income	$-45,272	$105,546	-1.4%

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
STANLEY M PETERMAN	DIRECTOR	0.50	Director	$0	$0	$0
ELIZABETH M PETERMAN	DIRECTOR	0.50	Director	$0	$0	$0
TRACY WOOD	DIRECTOR	0.50	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	No data	No data	No data	No data
2023	$14,138	$59,410	$353,780	$-45,272
2022	$129,776	$24,230	$399,047	$105,546
2021	$296,645	No data	$293,501	No data