CHALLENGE UNLIMITED INC (EIN 370805566) - 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

1960

Legal Domicile

Phone

6184650044

Tax Period

2024-07-01 to 2025-06-30

CHALLENGE UNLIMITED INC, founded in 1960, is a mid-sized nonprofit in the Employment sector that reported $33.8M in total revenue in fiscal year 2024.

Mission

PROVIDING JOB AND LIFE SKILLS TRAINING, JOB PLACEMENT SERVICES AND DIRECT EMPLOYMENT TO PEOPLE WITH ALL TYPES OF 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 $209,840

Program Service Revenue $32,952,853

Investment Income $369,697

Other Revenue $226,764

TOTAL REVENUE $33,759,154

Expense Breakdown

Grants Paid $0

Salaries & Benefits $25,567,274

Fundraising Expenses $0

Program Expenses $28,728,858

Other Expenses $8,297,220

TOTAL EXPENSES $33,864,494

Year-over-Year Comparison

	2024	2023	Change
Revenue	$33,759,154	$31,756,645	+0.1%
Expenses	$33,864,494	$31,679,973	+0.1%
Net Income	$-105,340	$76,672	-2.4%

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

776

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

$941,770

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM KASTEN	DIRECTOR	1.00	Director	$0	$0	$0
ROSE GIBSON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JIM CONCANNON	DIRECTOR	1.00	Director	$0	$0	$0
ERICA ORRISON	DIRECTOR	1.00	Director	$0	$0	$0
TOM MORRISSEY	DIRECTOR	1.00	Director	$0	$0	$0
BRET BERIGAN	DIRECTOR	1.00	Director	$0	$0	$0
CATHY COOKE	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE MALONE	DIRECTOR	1.00	Director	$0	$0	$0
JONI LOMBARDO	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
YANCHO GERDJIKOV	DIRECTOR	1.00	Director	$0	$0	$0
COKEISHA VAN HOOK	DIRECTOR	1.00	Director	$0	$0	$0
CHARLOTTE HAMMOND	PRESIDENT AND CEO	40.00	Officer	$302,496	$22,863	$325,359
ANDREW ESTERER	EXECUTIVE VP OF FINANCE	40.00	Officer	$178,606	$16,298	$194,904
DIANE TEBBE	VP OF RESIDENTIAL OPTIONS	40.00	Officer	$122,806	$10,798	$133,604
APRIL SANTOS	VP OF HUMAN RESOURCES	40.00	Officer	$140,582	$22,283	$162,865
JONATHAN BECKER	EXECUTIVE VP OF PROGRAM SE	40.00	Officer	$114,240	$10,798	$125,038

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	$33,759,154	$33,864,494	$20,784,729	$-105,340
2024	$31,756,645	$31,679,973	$19,970,419	$76,672
2023	$30,166,842	$30,669,758	$20,170,581	$-502,916
2022	$27,029,176	$30,634,008	$19,551,518	$-3,604,832
2021	$28,492,985	$27,738,439	$23,030,108	$754,546
2020	$28,649,017	$27,524,323	$22,463,262	$1,124,694
2019	$26,687,629	$26,802,126	$21,010,971	$-114,497

CHALLENGE UNLIMITED INC