The JWC FOUNDATION (EIN 881731609) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2022

Legal Domicile

Principal Officer

Rasheeda Creighton

Phone

8049559919

Tax Period

2025-01-01 to 2025-12-31

JWC FOUNDATION, founded in 2022, is a small nonprofit in the Community Improvement sector that reported $814K in total revenue in fiscal year 2022. The organization ran a surplus of $502K, a strong 62% operating margin.

Mission

Our mission is to equip Black-owned small businesses in their first five years with culturally relevant programs, resources, and community that build resilient operational foundations, so that businesses don't just launch, they last. We do this by focusing on the operational fundamentals that determine long-term survival: cash flow management, systems building, hiring, and sustainable growth strategies, always with the whole business owner in mind, not just the business.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $164,123

Program Service Revenue $172,270

Investment Income $0

Other Revenue $0

TOTAL REVENUE $336,393

Expense Breakdown

Grants Paid $0

Salaries & Benefits $221,942

Fundraising Expenses $0

Program Expenses $112,573

Other Expenses $230,659

TOTAL EXPENSES $452,601

Year-over-Year Comparison

	2025	2024	Change
Revenue	$336,393	$408,956	-0.2%
Expenses	$452,601	$576,238	-0.2%
Net Income	$-116,208	$-167,282	-0.3%

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

$87,550

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rasheeda Creighton	Executive Director	40	Officer	$87,550	$0	$87,550
Archie L Alston	Board Chair	5	Director	$0	$0	$0
Elizabeth Johnson	Board Treasurer	5	Director	$0	$0	$0
Antwaun Gri in	Board Member	5	Director	$0	$0	$0
Tatiane Pena	Board Member	5	Director	$0	$0	$0
Crystal Lowery	Board Member	5	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	$336,393	$452,601	$67,023	$-116,208
2024	$408,956	$576,238	$148,427	$-167,282
2023	$437,769	$624,562	$314,253	$-186,793
2022	$813,746	$312,101	$513,343	$501,645

The JWC FOUNDATION