DEALING WITH DEBT (EIN 933339318) - 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

DESMOND L STINNIE

Phone

4104995511

Tax Period

2024-01-01 to 2024-12-31

DEALING WITH DEBT, founded in 2023, is a small nonprofit in the Human Services sector that reported $440K in total revenue in fiscal year 2024. Revenue surged 368% from the prior year, signaling strong growth momentum. The organization ran a surplus of $280K, a strong 64% operating margin.

Mission

THROUGH AN ONLINE SOCIAL MEDIA PLATFORM, HELP PEOPLE REDUCE FINANCIAL STRESS BY PROVIDING A SUPPORTIVE COMMUNITY AND FINANCIAL LITERACY CONTENT AND COURSES.

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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 $440,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $440,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $32,000

Fundraising Expenses $0

Other Expenses $128,494

TOTAL EXPENSES $160,494

Year-over-Year Comparison

	2024	2023	Change
Revenue	$440,000	$94,000	+3.7%
Expenses	$160,494	$80,919	+1.0%
Net Income	$279,506	$13,081	+20.4%

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

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

$32,000

Total Directors

$32,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DESMOND L STINNIE	PRESIDENT	7.00	Officer Director	$0	$0	$0
BRENT J LOWDER	SECRETARY	5.00	Officer Director	$0	$0	$0
SHAWN Z TARRANT	VICE PRESIDE	15.00	Officer Director	$32,000	$0	$32,000
JAUN CAHUE	DIRECTOR	1.00	Director	$0	$0	$0
ANN BANKS	DIRECTOR	1.00	Director	$0	$0	$0
ADDISON WIGGIN	DIRECTOR	1.00	Director	$0	$0	$0
NICK KOSMAS	DIRECTOR	1.00	Director	$0	$0	$0
SHANNA LOWDER	TREASURER	10.00	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
2024	$440,000	$160,494	$292,587	$279,506

DEALING WITH DEBT