FORA PATHWAYS INC

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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

RAMMY HARWOOD

Phone

5164195882

Tax Period

2024-07-01 to 2025-06-30

FORA PATHWAYS INC, founded in 1996, is a mid-sized nonprofit in the Employment sector that reported $37.4M in total revenue in fiscal year 2024. Expenses of $32.7M left a modest 13% surplus.

Mission

THE ORGANIZATION PROVIDES OPPORTUNITIES FOR PEOPLE WITH DISABILITIES TO OBTAIN COMPETITIVE EMPLOYMENT THROUGH LONG-TERM CONTRACTS WITH GOVERNMENT AGENCIES AND BUSINESSES. EMPLOYEES ARE TRAINED AND SUPPORTED FOR ON THE JOB SUCCESS.

Program Service Accomplishments

Program 1

Expenses: $27,560,892 Revenue: $36,084,458

THE ORGANIZATION WAS ESTABLISHED TO CREATE EMPLOYMENT OPPORTUNITIES FOR PEOPLE WITH DISABILITIES BY SECURING CONTRACTS WITH GOVERNMENT AGENCIES AND BUSINESSES. EMPLOYEES ARE TRAINED AND SUPPORTED FOR ON THE JOB SUCCESS. THE ORGANIZATION WAS ESTABLISHED TO CREATE EMPLOYMENT THE GOVERNMENT AND PRIVATE SECTOR THROUGH THESE LONG-TERM CONTRACTS. THE ORGANIZATION LINKS TRAINING PROGRAM GRADUATES AND OTHERS TO PAYING, STEADY AND SECURE JOBS. THE ORGANIZATION PLACES INDIVIDUALS IN JOBS, PROMOTING INCLUSION IN THE WORKFORCE, GREATER FINANCIAL INDEPENDENCE, PRODUCTIVITY AND PRIDE AMONG PEOPLE WITH DISABILITIES IN NEW YORK CITY, LONG ISLAND, WESTCHESTER, ALBANY, PUERTO RICO AND US VIRGIN ISLANDS. THE ORGANIZATION EMPLOYED 409 INDIVIDUALS IN 50 LOCATIONS DURING THE 2025 FISCAL YEAR.

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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 $173,088

Program Service Revenue $36,084,458

Investment Income $1,133,961

Other Revenue $36,621

TOTAL REVENUE $37,428,128

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,117,854

Fundraising Expenses $0

Program Expenses $27,560,892

Other Expenses $10,610,368

TOTAL EXPENSES $32,728,222

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,428,128	$36,076,005	+0.0%
Expenses	$32,728,222	$31,701,676	+0.0%
Net Income	$4,699,906	$4,374,329	+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

Employees

409

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

$1,293,294

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEROME D BLAINE	CHAIRMAN	1.00	Officer Director	$0	$0	$0
ROBERT LEVIN	TREASURER	1.00	Officer Director	$0	$0	$0
SCOTT D STELK	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL FENNESSY	TRUSTEE	1.00	Director	$0	$0	$0
KAREN DAY	TRUSTEE	1.00	Director	$0	$0	$0
RAMMY HARWOOD	CEO (STARTED 1/25)	40.00	Officer Director	$0	$0	$0
MICHAEL KRAMER	CEO (RETIRED 7/24)	40.00	Officer	$430,565	$32,736	$463,301
KELLY QUINN	CFO	40.00	Officer	$356,692	$18,808	$375,500
MARGARET BROWN	COO	40.00	Officer	$412,061	$42,432	$454,493
SCOTT LAPOFF	CONTROLLER	40.00	Highest	$240,541	$13,200	$253,741
JOE GARCIA	VP OF CARIBBEAN REGION	40.00	Highest	$221,420	$18,241	$239,661
KENNETH HEANEY	DIRECTOR OF NY OPERATIONS	40.00	Highest	$172,749	$29,111	$201,860
NICHOLAS KELLY	PROJECT MANAGER	40.00	Highest	$150,047	$17,718	$167,765
ELIZABETH REPOLI	VP OF TALENT AND PEOPLE MANAGEMENT	40.00	Highest	$160,115	$10,797	$170,912

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	$37,428,128	$32,728,222	$44,686,958	$4,699,906
2024	$36,076,005	$31,701,676	$39,784,657	$4,374,329
2023	$34,671,197	$30,099,651	$34,891,644	$4,571,546
2022	$30,317,223	$25,848,711	$28,179,043	$4,468,512
2021	$27,653,054	$23,769,939	$23,910,461	$3,883,115
2020	$25,187,899	$22,779,873	$19,219,000	$2,408,026
2019	$24,572,096	$21,995,780	$16,456,406	$2,576,316
2018	$23,565,316	$21,666,240	$13,820,761	$1,899,076