GAMA INTERNATIONAL (EIN 010792334) - 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

1950

Legal Domicile

Principal Officer

BONNIE GODSMAN

Phone

7036419400

Tax Period

2020-01-01 to 2020-12-31

GAMA INTERNATIONAL, founded in 1950, is a community nonprofit that reported $2.7M in total revenue in fiscal year 2020. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $3.2M exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROVIDE WORLD-CLASS EDUCATION AND TRAINING RESOURCES FOR THOSE IN THE FINANCIAL SERVICES INDUSTRY.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,484,555

Investment Income $38,833

Other Revenue $157,003

TOTAL REVENUE $2,680,391

Expense Breakdown

Grants Paid $0

Salaries & Benefits $977,977

Fundraising Expenses $0

Other Expenses $2,249,999

TOTAL EXPENSES $3,227,976

Year-over-Year Comparison

	2020	2019	Change
Revenue	$2,680,391	$5,838,159	-0.5%
Expenses	$3,227,976	$5,861,717	-0.4%
Net Income	$-547,585	$-23,558	+22.2%

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

$641,036

Total Directors

$593,494

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BONNIE GODSMAN	CHIEF EXECUTIVE OFFICER	40.00	Officer Director	$566,963	$26,531	$593,494
DEBRA GROMMONS	GAMA FOUNDATION CEO	40.00	Highest	$114,636	$3,574	$118,210
PHILLIP REID	CFO	40.00	Officer	$45,875	$1,667	$47,542
FRANK T SCALESE	PRESIDENT	3.00	Officer Director	$0	$0	$0
KELLY G KIDWELL	PRESIDENT-ELECT	3.00	Officer Director	$0	$0	$0
RICHARD P DODD	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
ROBERT BACCIGALUPI	TREASURER	3.00	Officer Director	$0	$0	$0
MICHELLE R HUBERT	SECRETARY	3.00	Officer Director	$0	$0	$0
J CHRISTOPHER NOONAN	IMMEDIATE PAST PRESIDENT	3.00	Officer Director	$0	$0	$0
EDWARD G DEUTSCHLANDER	GAMA FOUNDATION CHAIR	3.00	Officer Director	$0	$0	$0
KRISTI R ACREE	MEMBER	1.00	Director	$0	$0	$0
CURTIS A BENTON	MEMBER	1.00	Director	$0	$0	$0
TAMMY BUTTS	MEMBER	1.00	Director	$0	$0	$0
AAMIR CHALISA	MEMBER	1.00	Director	$0	$0	$0
ROBERT B FAKHIMI	MEMBER	1.00	Director	$0	$0	$0
JOSEPH A GERGELY	MEMBER	1.00	Director	$0	$0	$0
JOHN R HOFFMAN	MEMBER	1.00	Director	$0	$0	$0
MARK MILETELLO	MEMBER	1.00	Director	$0	$0	$0
DAVID C PORTER	MEMBER	1.00	Director	$0	$0	$0
MISTY WELTZIEN	MEMBER	1.00	Director	$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
2020	$2,680,391	$3,227,976	No data	$-547,585
2019	$5,838,159	$5,861,717	$3,802,032	$-23,558
2018	$5,877,725	$5,796,593	$3,950,714	$81,132

GAMA INTERNATIONAL