Lets Talk Money (EIN 883174707) - 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

Tax Period

2024-08-01 to 2025-07-31

Lets Talk Money is a small nonprofit in the Community Improvement sector that reported $846K in total revenue in fiscal year 2024. Revenue surged 403% from the prior year, signaling strong growth momentum. The organization ran a surplus of $608K, a strong 72% operating margin.

Mission

The organization's mission is to improve the lives of low- to moderate-income residents by providing safe, stable, and affordable housing. We focus on delivering quality housing options and connecting families with the resources necessary to build financial security and stability.

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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 $809,552

Program Service Revenue $36,347

Investment Income $19

Other Revenue $0

TOTAL REVENUE $845,918

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,577

Fundraising Expenses $0

Program Expenses $214,640

Other Expenses $233,199

TOTAL EXPENSES $237,776

Year-over-Year Comparison

	2024	2023	Change
Revenue	$845,918	$168,306	+4.0%
Expenses	$237,776	$712,946	-0.7%
Net Income	$608,142	$-544,640	-2.1%

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

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

$4,065

Total Directors

$4,065

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Zuleika Moore	Executive Director	28	Officer Director	$4,065	$0	$4,065
Anthony Moore	President	5	Officer Director	$0	$0	$0
Malcolm Moore	Vice President	2	Officer Director	$0	$0	$0
Sonja Powe	Board Member	1	Director	$0	$0	$0
Tina Williams Houston	Board Member	1	Director	$0	$0	$0
Connie Warner	Board Member	2	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	$845,918	$237,776	$731,246	$608,142

Lets Talk Money