YWCA OF WATSONVILLE (EIN 941212142) - 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

1929

Legal Domicile

Principal Officer

SONIA K DIEGO MARTINEZ

Phone

8317246078

Tax Period

2024-07-01 to 2025-06-30

YWCA OF WATSONVILLE, founded in 1929, is a community nonprofit in the Human Services sector that reported $1.1M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $950K left a modest 12% surplus.

Mission

THE YWCA IS DEDICATED TO ELIMINATING RACISM, EMPOWERING WOMEN, AND PROMOTING PEACE, JUSTICE, FREEDOM AND DIGNITY FOR ALL.

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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 $1,075,449

Program Service Revenue $0

Investment Income $688

Other Revenue $9,801

TOTAL REVENUE $1,085,938

Expense Breakdown

Grants Paid $0

Salaries & Benefits $626,885

Fundraising Expenses $3,709

Program Expenses $846,579

Other Expenses $323,359

TOTAL EXPENSES $950,244

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,085,938	$907,713	+0.2%
Expenses	$950,244	$923,226	+0.0%
Net Income	$135,694	$-15,513	-9.7%

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

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

$197,826

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDNA IVONNE ZAVALA-ACOSTA	TREASURER	5.00	Officer Director	$0	$0	$0
JEAN GALLAGHER-HEIL	BOARD MEMBER	5.00	Director	$0	$0	$0
DIANE MUNOZ	PRESIDENT	5.00	Officer Director	$0	$0	$0
ANA M VILLAFUERTE	ADMINISTRATIVE HR/PROGRAM	31.00	Officer	$48,778	$15,345	$64,123
LETICIA MENDOZA	EXECUTIVE DIRECTOR (THROUGH 8/30/2024)	40.00	Officer	$74,438	$13,701	$88,139
SONIA K DIEGO MARTINEZ	EXECUTIVE DIRECTOR (EFFECTIVE 7/1/2024)	40.00	Officer	$41,250	$4,314	$45,564

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	$1,085,938	$950,244	$1,159,905	$135,694
2024	No data	No data	No data	No data
2023	$1,168,268	$977,342	$656,281	$190,926
2022	$988,158	$987,835	$611,342	$323
2021	$915,880	$933,256	$499,779	$-17,376
2020	$827,661	$816,757	$554,508	$10,904

YWCA OF WATSONVILLE