LOVE XYZ INC

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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

WINNIE CHENG

Phone

5168205683

Tax Period

2024-12-01 to 2025-11-30

LOVE XYZ INC, founded in 2021, is a micro nonprofit in the Human Services sector that reported $6K in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $10K exceeded revenue, resulting in a 63% operating deficit.

Mission

FOOD PANTRY AND YOUTH SPORTS PROGRAMS; AFTER SCHOOL YOUTH PROGRAMS; HELPING SENIORS ACCESS SOCIAL SERVICES; CREATING NEIGHBORHOOD PATROL PROGRAMS; ASSISTING WITH JOB PLACEMENTS; AND AIDING THE COVID-19 PANDEMIC RECOVERY PROCESS.

Program Service Accomplishments

Program 1

Expenses: $10,120

FOOD PANTRY AND YOUTH SPORTS PROGRAM.

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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 $6,219

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,219

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $10,120

Other Expenses $10,120

TOTAL EXPENSES $10,120

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,219	$10,864	-0.4%
Expenses	$10,120	$7,722	+0.3%
Net Income	$-3,901	$3,142	-2.2%

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

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
WINNIE CHENG	PRESIDENT	N/A	Officer	$0	$0	$0
PHILLIP LI	VICE PRESIDE	N/A	Officer	$0	$0	$0
YA CHEN YU	TREASUER	N/A	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	$6,219	$10,120	$13,876	$-3,901
2024	$10,864	$7,722	$17,777	$3,142
2023	$241,056	$236,712	$14,635	$4,344