EARN INC (EIN 912172676) - 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

LEIGH PHILLIPS

Phone

4155039818

Tax Period

2023-01-01 to 2023-12-31

EARN INC, founded in 2001, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $2.8M in total revenue in fiscal year 2023. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $5.6M exceeded revenue, resulting in a 100% operating deficit.

Mission

SAVERLIFE IS A NATIONAL NONPROFIT AND ADVOCACY ORGANIZATION USING (CONT'D ON SCHEDULE O) TECHNOLOGY TO IMPROVE THE FINANCIAL HEALTH OF PEOPLE LIVING ON LOW-TO-MODERATE INCOMES. WE BELIEVE EVERYONE SHOULD HAVE THE SAME OPPORTUNITIES TO BUILD ECONOMIC MOBILITY AND ACHIEVE FINANCIAL WELL-BEING.

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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 $2,593,212

Program Service Revenue $171,978

Investment Income $1,326

Other Revenue $10,153

TOTAL REVENUE $2,776,669

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,160,120

Fundraising Expenses $545,249

Program Expenses $4,404,010

Other Expenses $2,401,461

TOTAL EXPENSES $5,561,581

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,776,669	$6,551,972	-0.6%
Expenses	$5,561,581	$6,486,663	-0.1%
Net Income	$-2,784,912	$65,309	-43.6%

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

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

$462,978

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICK EATON	CHAIR	1.00	Officer Director	$0	$0	$0
PRESTON DODD	TREASURER	0.50	Officer Director	$0	$0	$0
TIFFANY TENG	SECRETARY	0.50	Officer Director	$0	$0	$0
DON BAYLOR	BOARD MEMBER	0.50	Director	$0	$0	$0
NIDHI DAGA	BOARD MEMBER	0.50	Director	$0	$0	$0
JAKE FUENTES	BOARD MEMBER	0.50	Director	$0	$0	$0
SAMIR GOEL	BOARD MEMBER	0.50	Director	$0	$0	$0
BENJAMIN MANGAN	BOARD MEMBER	0.50	Director	$0	$0	$0
KARIN MEYER	BOARD MEMBER	0.50	Director	$0	$0	$0
IDA RADEMACHER	BOARD MEMBER	0.50	Director	$0	$0	$0
LEIGH PHILLIPS	CEO	38.00	Officer	$216,000	$21,965	$237,965
ASHLEY SHERWIN	COO	38.00	Officer	$201,400	$23,613	$225,013
NEHA GUPTA	VP, MEMBER EXPERIENCE	38.00	Highest	$172,536	$15,384	$187,920
SUSAN LYON	DIRECTOR OF MARKETING	38.00	Highest	$145,673	$16,192	$161,865
ANITA SHARMA	CHIEF IMPACT OFFICER	38.00	Highest	$150,206	$9,486	$159,692
STEVE HAWKER	DIRECTOR OF PLATFORM OPERATIONS	38.00	Highest	$140,400	$16,950	$157,350
RADHA SESHAGIRI	DIRECTOR OF POLICY & SYSTEMS CHANGE	38.00	Highest	$147,108	$6,000	$153,108

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	$2,776,669	$5,561,581	$1,261,403	$-2,784,912
2022	$6,551,972	$6,486,663	$4,318,244	$65,309
2021	$6,096,745	$6,026,519	$4,666,013	$70,226
2020	$8,438,434	$8,703,349	$4,248,823	$-264,915
2019	$6,749,148	$5,423,672	$4,370,502	$1,325,476
2018	$4,267,303	$4,235,363	$3,057,782	$31,940

EARN INC