CECIL MACLAUGHLIN TCHAR (EIN 946526906) - 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

1980

Legal Domicile

Principal Officer

SAME AS C ABOVE

Phone

2393975002

Tax Period

2024-10-01 to 2025-09-30

CECIL MACLAUGHLIN TCHAR, founded in 1980, is a small nonprofit that reported $378K in total revenue in fiscal year 2024. Revenue fell 30% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $141K, a strong 37% operating margin.

Mission

TO PROVIDE FINANCIAL SUPPORT FOR THE SYNOD OF REFORMED PRESBYTIAN CHURCH OF NA

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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 $375,043

Other Revenue $2,791

TOTAL REVENUE $377,834

Expense Breakdown

Grants Paid $189,899

Salaries & Benefits $44,638

Fundraising Expenses $0

Program Expenses $189,899

Other Expenses $1,937

TOTAL EXPENSES $236,474

Year-over-Year Comparison

	2024	2023	Change
Revenue	$377,834	$540,456	-0.3%
Expenses	$236,474	$228,993	+0.0%
Net Income	$141,360	$311,463	-0.5%

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

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

$2,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANN M DAVIS ESQUIRE	CO-TRUSTEE	1.0	Director	$800	$0	$800
KENNETH A SMITH PHD	CO-TRUSTEE	1.0	Director	$800	$0	$800
DAVID SCHAEFER	CO-TRUSTEE	1.0	Director	$1,200	$0	$1,200
MANUFACTURERS AND TRADERS TRUST COM	CO-TRUSTEE	1.0		$41,838	$0	$41,838

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	$377,834	$236,474	$4,211,684	$141,360
2024	$540,456	$228,993	$4,069,569	$311,463
2023	$126,071	$222,150	$3,761,456	$-96,079
2022	$218,941	$227,179	$3,857,586	$-8,238
2020	$77,831	$222,811	$3,821,134	$-144,980

CECIL MACLAUGHLIN TCHAR