YWCA OF CONTRA COSTASACRAMENTO

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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

1945

Legal Domicile

Principal Officer

NANCY ATKINSON

Phone

9253724213

Tax Period

2024-07-01 to 2025-06-30

YWCA OF CONTRA COSTASACRAMENTO, founded in 1945, is a community nonprofit in the Human Services sector that reported $6.5M in total revenue in fiscal year 2024. Expenses of $5.5M left a modest 15% surplus.

Mission

TO EMPOWER WOMEN AND GIRLS THROUGH LEADERSHIP DEVELOPMENT IN A PLURALISTIC ENVIRONMENT THROUGH PROGRAMS AND RELATED SERVICES.

Program Service Accomplishments

Program 1

Expenses: $1,606,534 Revenue: $1,710,523

CHILD CARE PROGRAMS FUNDED PRIMARILY BY THE CALIFORNIA DEPARTMENT OF EDUCATION FOR LOW INCOME RESIDENTS.

Program 2

Expenses: $2,253,468 Revenue: $2,577,154

PRESCHOOL PROGRAMS FUNDED PRIMARILY BY THE CALIFORNIA DEPARTMENT OF EDUCATION FOR LOW INCOME RESIDENTS.

Program 3

Expenses: $320,493 Revenue: $324,862

RESIDENTIAL PROGRAM: PROVIDED PERMANENT AFFORDABLE HOUSING TO 39 SINGLE WOMEN. PROVIDED RESOURCES AND PROGRAMS FOR WOMEN TO ACHIEVE THEIR ECONOMIC AND PERSONAL 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 (2024)

Revenue Breakdown

Contributions & Grants $309,950

Program Service Revenue $5,733,226

Investment Income $198,244

Other Revenue $219,953

TOTAL REVENUE $6,461,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,834,737

Fundraising Expenses $14,295

Program Expenses $5,021,926

Other Expenses $1,663,587

TOTAL EXPENSES $5,498,324

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,461,373	$6,223,212	+0.0%
Expenses	$5,498,324	$4,707,366	+0.2%
Net Income	$963,049	$1,515,846	-0.4%

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

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

$287,611

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GRACE BHAIRO	PRESIDENT	1.80	Officer Director	$0	$0	$0
HEATHER CHIU	SECRETARY/TREASURER	0.80	Officer Director	$0	$0	$0
HELEN LEE	DIRECTOR	0.50	Director	$0	$0	$0
NICOLE GAMACHE-KOCOL	DIRECTOR	0.50	Director	$0	$0	$0
NANCY J ATKINSON	CEO	40.00	Key Emp	$240,097	$47,514	$287,611
MICHELLE WATSON	PROGRAM DIRECTOR	40.00	Highest	$101,807	$25,298	$127,105
CONSUELO BLAS	MENTAL HEALTH COUNSELOR	40.00	Highest	$100,555	$23,764	$124,319

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	$6,461,373	$5,498,324	$12,636,964	$963,049
2024	$6,223,212	$4,707,366	$10,349,196	$1,515,846
2023	$4,553,408	$3,790,935	$7,333,531	$762,473
2022	$3,871,350	$3,765,241	$5,727,867	$106,109
2021	$2,967,023	$2,666,367	$5,646,870	$300,656
2020	$3,665,480	$3,364,334	$5,456,886	$301,146
2019	$3,543,551	$3,434,940	$4,969,338	$108,611
2018	$3,250,081	$3,148,901	$4,832,403	$101,180