COWGIRL CE RETREATS (EIN 932648987) - 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

2023

Legal Domicile

Principal Officer

CHRISTINE NAVARRE

Phone

2257731382

Tax Period

2025-01-01 to 2025-12-31

COWGIRL CE RETREATS, founded in 2023, is a micro nonprofit in the Education sector that reported $36K in total revenue in fiscal year 2025. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $57K exceeded revenue, resulting in a 56% operating deficit.

Mission

COWGIRL CE RETREATS IS DEDICATED TO SUPPORTING THE LONGEVITY AND WELL-BEING OF WOMEN IN LARGE ANIMAL VETERINARY PRACTICE. THROUGH IMMERSIVE, HIGH-QUALITY CONTINUING EDUCATION AND MEANINGFUL PEER CONNECTION, THEY FOSTER BOTH PROFESSIONAL GROWTH AND PERSONAL RESILIENCE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $18,940

Program Service Revenue $16,675

Investment Income $0

Other Revenue $817

TOTAL REVENUE $36,432

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,533

Other Expenses $56,919

TOTAL EXPENSES $56,919

Year-over-Year Comparison

	2025	2024	Change
Revenue	$36,432	$46,587	-0.2%
Expenses	$56,919	$29,417	+0.9%
Net Income	$-20,487	$17,170	-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

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
PIPER LAMBARD NORTON	PRESIDENT	2.00	Officer Director	$0	$0	$0
MEREDYTH COOK	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
CHRISTINE NAVARRE	SECRETARYTREASURER	4.00	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	$36,432	$56,919	$83,258	$-20,487

COWGIRL CE RETREATS