SEEDS OF LOVE (EIN 912120696) - 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

2001

Legal Domicile

Principal Officer

COLLEEN CROWLEY

Phone

9167998671

Tax Period

2023-01-01 to 2023-12-31

SEEDS OF LOVE, founded in 2001, is a small nonprofit in the Human Services sector that reported $450K in total revenue in fiscal year 2023. Revenue surged 64% from the prior year, signaling strong growth momentum. The organization ran a surplus of $146K, a strong 32% operating margin.

Mission

SEEDS OF LOVE PROVIDES THE GUATEMALAN CHILDREN AT SEMILLAS DE AMOR A QUALITY EDUCATION AND LIFE IN A SAFE, HEALTHY, AND NUTURING ENVIRONMENT AS THEY ACQUIRE THE TOOLS AND KNOWLEDGE NEEDED TO ADDRESS LIFE-LONG LEARNING, AND SOCIAL JUSTICE IN GUATEMALA.

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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 $449,576

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $449,576

Expense Breakdown

Grants Paid $233,766

Salaries & Benefits $54,371

Fundraising Expenses $3,834

Program Expenses $291,952

Other Expenses $15,898

TOTAL EXPENSES $304,035

Year-over-Year Comparison

	2023	2022	Change
Revenue	$449,576	$273,315	+0.6%
Expenses	$304,035	$256,587	+0.2%
Net Income	$145,541	$16,728	+7.7%

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

$36,159

Total Directors

$36,159

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY BAILEY	PRESIDENT	30.00	Officer Director	$36,159	$0	$36,159
JOEL PETERS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
COLLEEN CROWLEY	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
MARY SEBASTIAN	VICE PRESIDENT	2.00	Officer 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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$449,576	$304,035	$168,254	$145,541
2022	$273,315	$256,587	$34,669	$16,728
2021	$256,638	$285,554	$19,133	$-28,916
2020	$265,893	$233,760	$46,710	$32,133
2018	$206,355	$256,286	$16,670	$-49,931

SEEDS OF LOVE