CHALLENGE UNLIMITED 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

1983

Legal Domicile

Principal Officer

JOE LUSSIER

Phone

9784754056

Tax Period

2024-01-01 to 2024-12-31

CHALLENGE UNLIMITED INC, founded in 1983, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2024. Net assets of $4.7M represent 29 months of operating reserves.

Mission

TO PROVIDE THERAPEUTIC, EDUCATIONAL, AND RECREATIONAL OPPORTUNITIES USING THE RESOURCES OF THE FARM AND ITS ENVIRONMENT TO HELP ALL INVOLVED EXPERIENCE JOY AND ENHANCED QUALITY OF LIFE.

Program Service Accomplishments

Program 1

Expenses: $1,379,405 Revenue: $790,726

PROVIDE EFFECTIVE THERAPY FOR INDIVIDUALS WITH PHYSICAL, COGNITIVE, AND EMOTIONAL DISABILITIES.

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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 $949,164

Program Service Revenue $790,726

Investment Income $32,457

Other Revenue $178,538

TOTAL REVENUE $1,950,885

Expense Breakdown

Grants Paid $56,837

Salaries & Benefits $1,113,809

Fundraising Expenses $195,126

Program Expenses $1,379,405

Other Expenses $725,344

TOTAL EXPENSES $1,895,990

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,950,885	$2,021,508	0.0%
Expenses	$1,895,990	$1,764,684	+0.1%
Net Income	$54,895	$256,824	-0.8%

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

125

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

$90,357

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RALPH ACABA	PRESIDENT	2.00	Officer Director	$0	$0	$0
ROBIN GORSKI-ROUTHIER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JOE LUSSIER	TREASURER	2.00	Officer Director	$0	$0	$0
PAUL SALAFIA	CLERK	2.00	Officer Director	$0	$0	$0
DIPTI SHAH	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA KAHLER-REISS	DIRECTOR	1.00	Director	$0	$0	$0
BRENDAN HAMM	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA BERNARD	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS VACCARO	DIRECTOR	1.00	Director	$0	$0	$0
NANCY GREELEY	DIRECTOR	1.00	Director	$0	$0	$0
ERNEST COUNTERMARSH	DIRECTOR	1.00	Director	$0	$0	$0
LINDA BEYERS	DIRECTOR	1.00	Director	$0	$0	$0
MILISSA MOYNIHAN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL BREDA	DIRECTOR	1.00	Director	$0	$0	$0
CLAUDIA SOO HOO	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK LAWLOR	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER BLADE	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN BISHOP	DIRECTOR	1.00	Director	$0	$0	$0
SHARON MASON	DIRECTOR	1.00	Director	$0	$0	$0
KERRI WHALEN	EXECUTIVE DIRECTOR	40.00	Officer	$90,357	$0	$90,357

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	$1,950,885	$1,895,990	$6,212,904	$54,895
2023	$2,021,508	$1,764,684	$6,148,413	$256,824
2022	$1,813,034	$1,681,972	$5,944,332	$131,062
2021	$1,394,583	$1,323,817	$5,497,607	$70,766
2020	$1,209,676	$1,296,886	$5,348,637	$-87,210
2019	$1,826,190	$1,492,139	$5,473,814	$334,051
2018	$1,815,972	$1,374,921	$5,521,270	$441,051