CARA EDUCATION FUND (EIN 203253963) - 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

2004

Legal Domicile

Phone

4155500828

Tax Period

2023-01-01 to 2023-12-31

CARA EDUCATION FUND, founded in 2004, is a small nonprofit in the Civil Rights & Advocacy sector that reported $225K in total revenue in fiscal year 2023. Revenue surged 123% from the prior year, signaling strong growth momentum.

Mission

To educate senior citizens, as well as others, about issues that affect the welfare, rights and social and economic welfare of seniors living in this nation.

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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 $224,975

Program Service Revenue $0

Investment Income $0

Other Revenue $80

TOTAL REVENUE $225,055

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $6,187

Program Expenses $222,794

Other Expenses $247,547

TOTAL EXPENSES $247,547

Year-over-Year Comparison

	2023	2022	Change
Revenue	$225,055	$100,697	+1.2%
Expenses	$247,547	$119,946	+1.1%
Net Income	$-22,492	$-19,249	+0.2%

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

N/A

Employees

N/A

Volunteers

100

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA MACK	Director	1.00	Director	$0	$0	$0
BILL KLINKE	Director	1.00	Director	$0	$0	$0
DEE ROSARIO	Director	1.00	Director	$0	$0	$0
CAROL GARVEY	Director	1.00	Director	$0	$0	$0
MICHELLE KRUG	Director	1.00	Director	$0	$0	$0
LUIS DURAN	Vice President	1.00	Director	$0	$0	$0
NADINE PEYRUCAIN	Director	1.00	Director	$0	$0	$0
JODI REID	Executive Dir.	80.00	Director	$0	$0	$0
SHARON NAKAMOTO	President	2.00	Officer	$0	$0	$0
DAWN BRONSEMA	Secretary	1.00	Officer	$0	$0	$0
NAN BRASMER	Treasurer	1.00	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
2023	$225,055	$247,547	$276,748	$-22,492
2018	$304,476	$113,052	$386,075	$191,424

CARA EDUCATION FUND