CENTER FOR REFLECTION EDUCATION AND ACTION INCORPORATED (EIN 061451900) - 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

1996

Legal Domicile

Principal Officer

Ruth Rosenbaum

Phone

8605270455

Tax Period

2024-01-01 to 2024-12-31

CENTER FOR REFLECTION EDUCATION AND ACTION INCORPORATED, founded in 1996, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $80K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $155K exceeded revenue, resulting in a 93% operating deficit.

Mission

CREA is a social economic research and education center focusing on social and economic research and corporate social responsibility, human rights, labor rights, sustainable communities and systemic analysis.

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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 $46,714

Program Service Revenue $33,298

Investment Income $434

Other Revenue $0

TOTAL REVENUE $80,446

Expense Breakdown

Grants Paid $0

Salaries & Benefits $103,521

Fundraising Expenses $0

Program Expenses $104,967

Other Expenses $51,588

TOTAL EXPENSES $155,109

Year-over-Year Comparison

	2024	2023	Change
Revenue	$80,446	$87,148	-0.1%
Expenses	$155,109	$144,837	+0.1%
Net Income	$-74,663	$-57,689	+0.3%

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

$45,000

Total Directors

Key Employees

$70,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ruth Rosenbaum TC	Executive Director	40	Officer Key Emp Highest	$45,000	$0	$45,000
David Bolan	key employee	20	Key Emp	$25,000	$0	$25,000
Patricia Pheanious-Wilson	Director	2	Director	$0	$0	$0
Lynn Misteri	Director	2	Director	$0	$0	$0
Cathy Galvin	Treasurer	6	Officer Director	$0	$0	$0
Sarah Smith	Director	2	Director	$0	$0	$0
Dee Martin	Director	2	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
2024	$80,446	$155,109	$343,776	$-74,663
2023	$87,148	$144,837	$418,439	$-57,689
2022	$109,538	$153,627	$480,234	$-44,089
2021	$152,236	$174,553	$611,141	$-22,317
2020	$150,018	$196,818	$559,444	$-46,800

CENTER FOR REFLECTION EDUCATION AND ACTION INCORPORATED