THE INTERSECTION

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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

1977

Legal Domicile

Principal Officer

SISTER BONNIE HEH RSM

Phone

4126786948

Tax Period

2023-01-01 to 2023-12-31

THE INTERSECTION, founded in 1977, is a small nonprofit that reported $432K in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. Net assets of $1.9M represent 54 months of operating reserves.

Mission

SUPPORT ECONOMICALLY DISADVANTAGED INDIVIDUALS.

Program Service Accomplishments

Program 1

Expenses: $303,550 Revenue: $161,400

FOOD SUBSIDY: BASKETS OF GROCERIES (APPROX 1,700 ANNUALLY) AND HOT LUNCHES SERVED (APPROX 6,000 ANNUALLY).

Program 2

Expenses: $68,491

INDIVIDUAL SUPPORT: THE ORGANIZATION COLLABORATES WITH LOCAL CHURCHES AND OTHER HUMAN SERVICE AGENCIES TO PROVIDE SMALL GRANTS IN EMERGENCY SITUATIONS (EMERGENCY HOUSING SUPPORT FOR RENT OR...

INDIVIDUAL SUPPORT: THE ORGANIZATION COLLABORATES WITH LOCAL CHURCHES AND OTHER HUMAN SERVICE AGENCIES TO PROVIDE SMALL GRANTS IN EMERGENCY SITUATIONS (EMERGENCY HOUSING SUPPORT FOR RENT OR UTILITIES, BUS TICKETS, TEMPORARY HELP FOR PERSONAL NEEDS, ETC.)(APPROX 1,000 ANNUALLY)

Program 3

Expenses: $32,402

OTHER OUTREACH: THE CLOTHING BOUTIQUE DISTRIBUTES DONATED GENTLY USED CLOTHING AT NO CHARGE TO ANYONE IN NEED. IN ADDITION, SMALL HOUSEHOLD ITEMS ARE DISTRIBUTED WHEN AVAILABLE. THE ORGANIZATION ALSO PROVIDES THE PROFESSIONAL SERVICES OF CASE WORKERS, DOCTORS, NURSES, ETC. ON-SITE FROM OTHER AGENCIES. (APPROX 1,000 ANNUALLY)

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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 $354,549

Program Service Revenue $0

Investment Income $77,250

Other Revenue $0

TOTAL REVENUE $431,799

Expense Breakdown

Grants Paid $47,689

Salaries & Benefits $0

Fundraising Expenses $1,579

Program Expenses $404,443

Other Expenses $416,552

TOTAL EXPENSES $464,241

Year-over-Year Comparison

	2023	2022	Change
Revenue	$431,799	$338,833	+0.3%
Expenses	$464,241	$343,118	+0.4%
Net Income	$-32,442	$-4,285	+6.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAULA BEISLER	BOARD MEMBER	1.00	Director	$0	$0	$0
BARBARA NOVOSEL	PRESIDENT	1.00	Officer Director	$0	$0	$0
HARRIET SETON NEWTON SC	BOARD MEMBER	1.00	Director	$0	$0	$0
KAREN SUPANSIC	EXECUTIVE DIRECTOR	50.00	Officer	$0	$0	$0
BONNIE HEH RSM	SECRETARY-TREASURER	50.00	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
2024	No data	No data	No data	No data
2023	$431,799	$464,241	$1,936,701	$-32,442
2022	$338,833	$343,118	$1,891,826	$-4,285
2021	$454,139	$364,198	$2,177,991	$89,941
2020	$632,754	$532,899	$2,016,628	$99,855
2019	$594,327	$568,868	$1,863,587	$25,459
2018	$612,744	$567,885	$1,680,091	$44,859