YWCA OF SAN FRANCISCO & MARIN (EIN 940997420) - 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

1937

Legal Domicile

Principal Officer

TRACY WINGROVE

Phone

4082954011

Tax Period

2024-07-01 to 2025-06-30

YWCA OF SAN FRANCISCO & MARIN, founded in 1937, is a small nonprofit in the Human Services sector that reported $491K in total revenue in fiscal year 2024. Expenses of $8.6M exceeded revenue, resulting in a 1648% operating deficit.

Mission

WE EMPOWER HEALING AND JUSTICE, ACHIEVE SOLUTIONS TO HOMELESSNESS, AND INSPIRE OPPORTUNITY AND ECONOMIC INDEPENDENCE.

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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 $5,229

Other Revenue $486,157

TOTAL REVENUE $491,386

Expense Breakdown

Grants Paid $7,925,310

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,925,310

Other Expenses $663,216

TOTAL EXPENSES $8,588,526

Year-over-Year Comparison

	2024	2023	Change
Revenue	$491,386	$492,906	0.0%
Expenses	$8,588,526	$694,176	+11.4%
Net Income	$-8,097,140	$-201,270	+39.2%

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

$765,674

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELLA ZHENG	PRESIDENT	1.00	Officer Director	$0	$0	$0
DENISE AQUILANTE-JOHNSON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROL DIXON	SECRETARY	1.00	Officer Director	$0	$0	$0
JANET NASBURG	TREASURER	1.00	Officer Director	$0	$0	$0
TRACY WINGROVE	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
ERICA DEMSTER	MEMBER AT LARGE	1.00	Director	$0	$0	$0
MARY MORRIS	MEMBER AT LARGE	1.00	Director	$0	$0	$0
MAUREEN DE NIEVA MARSH	MEMBER AT LARGE	1.00	Director	$0	$0	$0
MONIKA THAKUR	MEMBER AT LARGE	1.00	Director	$0	$0	$0
ANN MARIE PATE	CHIEF FINANCIAL OFFICER	4.00	Officer	$0	$34,698	$247,835
ADRIANA CALDERA	CHIEF EXECUTIVE OFFICER	2.00	Officer	$0	$38,273	$298,494
JENNIFER LOPES	CHIEF PROGRAM OFFICER	6.00	Officer	$0	$31,525	$219,345

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	$491,386	$8,588,526	$9,603,973	$-8,097,140
2024	No data	No data	No data	No data
2023	$507,005	$703,683	$16,728,618	$-196,678
2023	$507,005	$703,683	$16,728,618	$-196,678
2022	$523,360	$412,316	$8,355,479	$111,044
2021	$522,737	$677,334	$9,317,922	$-154,597
2020	$826,432	$1,140,081	$7,788,518	$-313,649
2019	$1,035,015	$1,329,837	$7,996,154	$-294,822
2018	$1,253,346	$1,332,774	$8,348,382	$-79,428

YWCA OF SAN FRANCISCO & MARIN