MINDFUL LENDING

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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

TRACY STRICKLAND

Phone

8436282115

Tax Period

2024-01-01 to 2024-12-31

MINDFUL LENDING, founded in 2023, is a micro nonprofit in the Human Services sector that reported $3K in total revenue in fiscal year 2024.

Mission

NON-PROFIT MORTGAGE LENDING TO LOW TO MODERATE INCOME HOMEBUYERS

Program Service Accomplishments

Program 1

Revenue: $2,672

MINDFUL LENDING IS IN THE PROCESS OF FORMING TO BECOME A NON-PROFIT LENDER TO SERVE PRIMARILY LOW TO MODERATE INCOME HOMEBUYERS IN THE STATE OF SOUTH CAROLINA. SO FAR ALL WORK DONE HAS BEEN DONATED SERVICES AND INITIAL FUNDING FROM THE NON-PROFIT PARENT COMPANY FAMILY SERVICES, INC DBA ORIGIN SC.

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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 $0

Program Service Revenue $0

Investment Income $2,672

Other Revenue $0

TOTAL REVENUE $2,672

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,672	N/A	N/A
Expenses	N/A	N/A	N/A
Net Income	N/A	$0	N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID GEER	BOARD MEMBER	0.00	Director	$0	$0	$0
DEBRA STEWART	VICE CHAIRMAN	0.00	Director	$0	$0	$0
SHAWNA BLACKMAN	BOARD MEMBER	0.00	Director	$0	$0	$0
TRACY STRICKLAND	CEO	10.00	Officer	$0	$0	$0
TREY WILLIS	CHAIRMAN	0.00	Officer	$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	$2,672	No data	$712,672	No data