CENTRAL CARES 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

1986

Legal Domicile

Principal Officer

TAMMY OSTERHAUS

Phone

3195306287

Tax Period

2024-07-01 to 2025-06-30

CENTRAL CARES INC, founded in 1986, is a small nonprofit in the Human Services sector that reported $202K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $243K exceeded revenue, resulting in a 20% operating deficit.

Mission

Central Cares Inc is a before and after and summer day program for school aged children

Program Service Accomplishments

Program 1

Expenses: $220,111 Revenue: $0

Central Cares Inc is a before and after and summer day program for school aged children at Coralville Central Elementary School (public school) in Coralville, IA. The program is open year round...

Central Cares Inc is a before and after and summer day program for school aged children at Coralville Central Elementary School (public school) in Coralville, IA. The program is open year round, serving approximately 70-80 children and is licensed by the Iowa Department of Human Services.

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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 $0

Program Service Revenue $201,738

Investment Income $578

Other Revenue $0

TOTAL REVENUE $202,316

Expense Breakdown

Grants Paid $0

Salaries & Benefits $196,951

Fundraising Expenses $0

Program Expenses $220,111

Other Expenses $46,528

TOTAL EXPENSES $243,479

Year-over-Year Comparison

	2024	2023	Change
Revenue	$202,316	$226,573	-0.1%
Expenses	$243,479	$227,203	+0.1%
Net Income	$-41,163	$-630	+64.3%

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

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
Tricia Bender	Member	1	Director	$0	$0	$0
Leah Appell	President	1	Director	$0	$0	$0
Matt Nelson	Member	1	Director	$0	$0	$0
Cara Schwartz	Member	1	Director	$0	$0	$0
Sharon Ingleby	Member	1	Director	$0	$0	$0
Jason Troendle	Member	1	Director	$0	$0	$0
Sarah Livesay	Member	1	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	$202,316	$243,479	$182,605	$-41,163
2024	$226,573	$227,203	$226,422	$-630
2023	$308,008	$231,078	$227,698	$76,930
2022	$234,168	$180,061	$147,902	$54,107