CHALLENGE AMERICA (EIN 270868701) - 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

2009

Legal Domicile

Principal Officer

HOUSTON COWAN

Phone

9702791323

Tax Period

2023-01-01 to 2023-12-31

CHALLENGE AMERICA, founded in 2009, is a small nonprofit in the Public & Societal Benefit sector that reported $139K in total revenue in fiscal year 2023. Revenue fell 71% from the prior year — a significant decline worth monitoring. Expenses of $263K exceeded revenue, resulting in a 89% operating deficit.

Mission

CHALLENGE AMERICA CONNECTS SERVICE MEMBERS, VETERANS AND THEIR FAMILIES TO RESOURCES AND SOLUTIONS THAT BUILD COMMUNITY AND GIVE PURPOSE TO THEIR LIVES.

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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 $138,487

Program Service Revenue $0

Investment Income $132

Other Revenue $0

TOTAL REVENUE $138,619

Expense Breakdown

Grants Paid $0

Salaries & Benefits $228,837

Fundraising Expenses $5,161

Program Expenses $242,458

Other Expenses $33,687

TOTAL EXPENSES $262,524

Year-over-Year Comparison

	2023	2022	Change
Revenue	$138,619	$474,740	-0.7%
Expenses	$262,524	$354,846	-0.3%
Net Income	$-123,905	$119,894	-2.0%

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

N/A

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

$22,917

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HOUSTON COWEN	FOUNDER & CE	40.00	Officer	$22,917	$0	$22,917
MATTHEW MCBRIDE	PRESIDENT	2.00	Officer Director	$0	$0	$0
HOUSTON COWAN	SECRETARY\TR	2.00	Officer Director	$0	$0	$0
DR DAVID BROWN	BOARD MEMBER	2.00	Director	$0	$0	$0
DON CLURMAN	BOARD MEMBER	2.00	Director	$0	$0	$0
DANIELLE KRAKORA	BOARD MEMBER	2.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$138,619	$262,524	$63,039	$-123,905
2022	$474,740	$354,846	$195,264	$119,894
2021	$385,715	$533,308	$119,957	$-147,593
2020	$385,164	$368,343	$243,751	$16,821
2019	$137,706	$457,057	$68,360	$-319,351
2018	$683,881	$468,383	$393,577	$215,498

CHALLENGE AMERICA