BARGAINS GALORE THRIFT STORE

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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

1994

Legal Domicile

Principal Officer

JOSH TOP

Phone

3604240908

Tax Period

2023-10-01 to 2024-09-30

BARGAINS GALORE THRIFT STORE, founded in 1994, is a community nonprofit in the Human Services sector that reported $1.2M in total revenue in fiscal year 2023. Expenses of $1.1M left a modest 7% surplus.

Mission

TO SUPPORT MOUNT VERNON CHRISTIAN SCHOOL AN EXEMPT ORGANIZATION. PARENTS SERVE IN ORDER TO SUPPORT THE SCHOOL. WE PROVIDE ON THE JOB TRAINING TO VOLUNTEERS.

Program Service Accomplishments

Program 1

Expenses: $1,090,481 Revenue: $1,152,597

TO PROVIDE FUNDS TO MOUNT VERNON CHRISTIAN SCHOOL A NON-PROFIT ORGANIZATION TO MAKE CHRISTIAN EDUCATION MORE AFFORDABLE. ALSO TO PROVIDE ON THE JOB TRAINING TO VOLUNTEERS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,728

Program Service Revenue $1,152,597

Investment Income $15,759

Other Revenue $0

TOTAL REVENUE $1,170,084

Expense Breakdown

Grants Paid $145,890

Salaries & Benefits $695,340

Fundraising Expenses $0

Program Expenses $1,090,481

Other Expenses $249,251

TOTAL EXPENSES $1,090,481

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,170,084	$1,101,637	+0.1%
Expenses	$1,090,481	$1,008,147	+0.1%
Net Income	$79,603	$93,490	-0.1%

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

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

$62,885

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER CISNEROS	MANAGER	40.00	Officer	$62,885	$0	$62,885
HANK ANNEMA	VICE PRESIDE	10.00	Officer	$0	$0	$0
ELIOT BLOM	PRESIDENT	10.00	Officer	$0	$0	$0
JAYNE HAMMINGH	DIRECTOR	5.00	Officer	$0	$0	$0
HEIDE HANDY	DIRECTOR	5.00	Officer	$0	$0	$0
JOSH TOP	TREASURER	10.00	Officer	$0	$0	$0
DAVE VISSER	DIRECTOR	5.00	Officer	$0	$0	$0
NANCY VISSER	SECRETARY	10.00	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	$1,170,084	$1,090,481	$1,760,623	$79,603
2023	$1,101,637	$1,008,147	$1,711,263	$93,490
2022	$1,061,791	$945,313	$1,721,837	$116,478
2021	$1,086,333	$850,396	$1,641,561	$235,937
2020	$610,225	$693,419	$1,522,415	$-83,194
2019	$779,937	$758,873	$1,548,843	$21,064
2018	$731,606	$708,592	$1,543,865	$23,014