URBAN DREAMS

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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

1985

Legal Domicile

Principal Officer

IZAAH JB KNOX

Phone

5152884742

Tax Period

2023-01-01 to 2023-12-31

URBAN DREAMS, founded in 1985, is a community nonprofit in the Human Services sector that reported $1.2M in total revenue in fiscal year 2023. Revenue fell 42% from the prior year — a significant decline worth monitoring. Expenses of $1.1M left a modest 15% surplus.

Mission

URBAN DREAMS IS A NONPROFIT ORGANIZATION ESTABLISHED TO SERVE THE RESIDENTS OF THE ECONOMICALLY DISTRESSED AREAS OF DES MOINES, IOWA. THE ORGANIZATION IS A NONTRADITIONAL REFERRAL SERVICE AND OPERATES A VARIETY OF PROGRAMS TO COMBAT SUBSTANCE ABUSE AND OFFER THEIR CLIENTS EDUCATIONAL, EMPLOYMENT, AND RECREATIONAL OPPORTUNITIES.

Program Service Accomplishments

Program 1

Expenses: $234,696 Revenue: $694,498

COMMUNITY CONNECTIVITY - THIS BUCKET OF WORK INCLUDES ALL OF OUR MONTHLY COMMUNITY ENGAGEMENT EVENTS, COMMUNITY-POLICE RELATIONS INTIATIVES, AND PUBLIC SAFETY WORK. THESE EVENTS ARE HIGH-QUALITY...

COMMUNITY CONNECTIVITY - THIS BUCKET OF WORK INCLUDES ALL OF OUR MONTHLY COMMUNITY ENGAGEMENT EVENTS, COMMUNITY-POLICE RELATIONS INTIATIVES, AND PUBLIC SAFETY WORK. THESE EVENTS ARE HIGH-QUALITY, FREE OR VERY LOW COST, AND FOCUS ON POSITIVE OUT-OF-CAR EXPERIENCES FOR LAW ENFORCEMENT TO ENGAGE WITH NEIGHBORS AND TO EARN BUSINESS AND COMMUNITY LEADERS' SUPPORT.

Program 2

Expenses: $281,686

SUBSTANCE ABUSE - WITHIN OUR SUBSTANCE ABUSE DEPARTMENT, WE HOUSE OUR OWI WEEKEND DIVERSION CLASSES. WE OFFER CLASSES STATEWIDE IN SIX LOCATIONS: CEDAR RAPIDS/IOWA CITY, CHARLES CITY, COUNCIL BLUFFS, DES MOINES, OTTUMWA, AND SIOUX CITY. WE HELP OVER 1,750 INDIVIDUALS WITH CHEMICAL DEPENDENCY RELATED ISSUES, BETWEEN OUR OUTPATIENT TREATMENT, WORK AT THE CENTRAL IOWA SHELTER AND SERVICE (CISS), AND OUR OWI WEEKEND CLASSES.

Program 3

Expenses: $181,220

WORKFORCE DEVELOPMENT AND EDUCATION - INCLUDES EMPLOYMENT PROGRAMS WITH MULTIPLE BUSINESSES. WE HOST JOB FAIRS FOR EMPLOYERS, PROVIDE CULTURAL COMPETENCY TRAINING, AND PARTNER WITH RECRUITING...

WORKFORCE DEVELOPMENT AND EDUCATION - INCLUDES EMPLOYMENT PROGRAMS WITH MULTIPLE BUSINESSES. WE HOST JOB FAIRS FOR EMPLOYERS, PROVIDE CULTURAL COMPETENCY TRAINING, AND PARTNER WITH RECRUITING AGENCIES. WE ARE WORKING TO EXPAND OUR WORKFORCE DEVELOPMENT SERVICE TO OTHER BUSINESSES AND INDUSTRIES. WE OFFER A DEFERRED EXPULSION PROGRAM FOR PUBLIC SCHOOL STUDENTS.

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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 $465,525

Program Service Revenue $694,498

Investment Income $63,910

Other Revenue $18,340

TOTAL REVENUE $1,242,273

Expense Breakdown

Grants Paid $0

Salaries & Benefits $556,778

Fundraising Expenses $148,346

Program Expenses $697,602

Other Expenses $503,812

TOTAL EXPENSES $1,060,590

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,242,273	$2,127,233	-0.4%
Expenses	$1,060,590	$1,127,354	-0.1%
Net Income	$181,683	$999,879	-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

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

$160,555

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
IZAAH JB KNOX	EXECUTIVE DI	40.00	Officer	$139,200	$21,355	$160,555
MARY CHAPMAN	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS CONETZKEY	DIRECTOR	N/A	Director	$0	$0	$0
BEN GRAEBER	DIRECTOR	N/A	Director	$0	$0	$0
SARA HOPKINS	DIRECTOR	N/A	Director	$0	$0	$0
ELIZABETH HUEBSCH	DIRECTOR	N/A	Director	$0	$0	$0
JEFF KLEIN	DIRECTOR	N/A	Director	$0	$0	$0
ERIN KNUPP	DIRECTOR	N/A	Director	$0	$0	$0
BEATRIZ MATE-KODJO	DIRECTOR	N/A	Director	$0	$0	$0
CRAIG OWENS	DIRECTOR	N/A	Director	$0	$0	$0
PAUL STAGEBERG	DIRECTOR	N/A	Director	$0	$0	$0
AHMED AGYEMAN	CHAIR	N/A	Officer	$0	$0	$0
RONA BERINOBIS	SECRETARY	N/A	Officer	$0	$0	$0
MATT JUFFER	TREASURER	N/A	Officer	$0	$0	$0
DENNIS ZACHARY	VICE-CHAIRMA	N/A	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	$1,242,273	$1,060,590	$2,828,449	$181,683
2022	$2,127,233	$1,127,354	$2,654,803	$999,879
2021	$1,647,372	$938,959	$2,082,966	$708,413
2020	$1,297,779	$744,900	$911,408	$552,879
2019	$714,158	$550,674	$369,176	$163,484
2018	$735,742	$544,572	$226,238	$191,170