HABIT FORMING SISTERS (EIN 934357199) - 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

Loretta McKee

Phone

9122573480

Tax Period

2025-01-01 to 2025-12-31

HABIT FORMING SISTERS, founded in 2023, is a small nonprofit in the Human Services sector that reported $107K in total revenue in fiscal year 2025. Revenue decreased 20% compared to the prior year. The organization ran a surplus of $86K, a strong 80% operating margin.

Mission

The organization's exempt purpose is to maintain a monastery for traditional catholic women. In the short term, the program objectives are building the physical plant for the monastery. In the long term, the goal is to ensure continued operation of the monastery. In 2023, the non-profit obtained a pledge for land that can be used for building the monastery. It also began raising funds to pay for construction and began the legal steps necessary to accomplish these goals.

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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 $101,078

Program Service Revenue $0

Investment Income $0

Other Revenue $5,959

TOTAL REVENUE $107,037

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $20,927

Other Expenses $21,426

TOTAL EXPENSES $21,426

Year-over-Year Comparison

	2025	2024	Change
Revenue	$107,037	$133,742	-0.2%
Expenses	$21,426	$19,805	+0.1%
Net Income	$85,611	$113,937	-0.2%

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

N/A

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
Melinda Shopa	Director	40	Officer	$0	$0	$0
Loretta McKee	President	40	Key Emp	$0	$0	$0
Jennifer Brown	Secretary, Treasurer	40	Key Emp	$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	$107,037	$21,426	$202,438	$85,611
2025	$107,037	$21,426	$202,438	$85,611

HABIT FORMING SISTERS