A CHANCE TO THRIVE INTERNATIONAL I… - Form 990 Financial Data

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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

2014

Legal Domicile

Principal Officer

RICHARD SWALLOWS

Phone

2108545489

Tax Period

2020-01-01 to 2020-12-31

A CHANCE TO THRIVE INTERNATIONAL INC, founded in 2014, is a micro nonprofit that reported $47K in total revenue in fiscal year 2020. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $67K exceeded revenue, resulting in a 44% operating deficit.

Mission

CTI IS A FAITH-BASED, HUMANITARIAN ORGANIZATION DEDICATED TO THE PHYSICAL, EMOTIONAL, AND SPIRITUAL WELL-BEING OF VULNERABLE YOUNG, SINGLE MOTHERS AND THEIR CHILDREN IN MOLDOVA. BENEFICIARIES RECEIVE PSYCHOLOGICAL COUNSELING, MEDICAL CARE, AND NECESSARY SHELTER AND ARE TRAINED IN PARENTING, RELATIONSHIP, AND NETWORKING SKILLS, AS WELL AS SELF-DEFENSE. OUR VISION IS AS FOLLOWS: "FOR EVERY CHILD A CHANCE TO THRIVE, FOR EVERY FAMILY A FOUNDATION." OBJECTIVES OF CTI ARE: TO PROVIDE FOR THE BASIC NEEDS OF YOUNG, SINGLE MOTHERS AND THEIR CHILDREN THROUGH ON-GOING SPONSORSHIPS AND EMERGENCY INTERVENTIONS. TO PROMOTE EDUCATIONAL AND ECONOMIC OPPORTUNITIES BY PROVIDING VOCATIONAL TRAINING TO YOUNG, SINGLE MOTHERS. TO WORK WITH OUR FAITH PARTNERS TO PROTECT VULNERABLE CHILDREN AND YOUTH FROM SEX TRAFFICKING. TO WORK WITH OUR FAITH PARTNERS TO IMPROVE THE LIVES OF PEOPLE WITH DISABILITIES. TO SEEK, CULTIVATE, AND OBTAIN REVENUES FOR DEVELOPING AND EXPANDING THE ENTIRE CTI PROGRAM.

Program Service Accomplishments

Program 1

Expenses: $25,446

A CHANCE TO THRIVE INTERNATIONAL MOLDOLVA - EASTERN EUROPE40 BENEFICIARIES TRAINED IN PARENTING, RELATIONSHIPS, NETWORKING AND OCCUPATIONAL SKILLS; PROVIDED MONTHLY FOOD / FINANCIAL / MEDICAL...

A CHANCE TO THRIVE INTERNATIONAL MOLDOLVA - EASTERN EUROPE40 BENEFICIARIES TRAINED IN PARENTING, RELATIONSHIPS, NETWORKING AND OCCUPATIONAL SKILLS; PROVIDED MONTHLY FOOD / FINANCIAL / MEDICAL ASSISTANCE AND PSYCHOLOGICAL COUNSELING. HELPED BENEFICIARIES FINISH HIGH SCHOOL AND PROVIDED HOUSING FOR 4 FAMILIES IN CHISINAU.

Program 2

Expenses: $41,325

CENTRE CHREITIEN D'ESPOIR LES ORPHELINS (HOPE ORPHAN MINISTRY) - SUPPORTED MINISTRY OPERATING ORPHAN CARE FACILITY IN CENTRAL AFRICAN REPUBLIC, WHICH SUPPLEMENTS THIRTY ORPHANS' PUBLIC EDUCATIONS BY PAYING SCHOOL-RELATED COSTS AND PROVIDING LIFE SKILLS, VOCATIONAL TRAINING, AND AIDS PREVENTION AWARENESS TRAINING.

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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 (2020)

Revenue Breakdown

Contributions & Grants $46,727

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $46,727

Expense Breakdown

Grants Paid $62,052

Salaries & Benefits $0

Fundraising Expenses $263

Program Expenses $66,771

Other Expenses $5,245

TOTAL EXPENSES $67,297

Year-over-Year Comparison

	2020	2019	Change
Revenue	$46,727	$110,663	-0.6%
Expenses	$67,297	$124,503	-0.5%
Net Income	$-20,570	$-13,840	+0.5%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GRETCHEN BAUMGARTEN	BOARD MEMBER	5.00	Director	$0	$0	$0
LISA WARD	BOARD MEMBER	1.00	Director	$0	$0	$0
COLEEN DOUGLAS	BOARD MEMBER	2.00	Director	$0	$0	$0
CONSTANTA BELCIUG	BOARD MEMBER	10.00	Director	$0	$0	$0
RICHARD SWALLOWS	PRESIDENT	40.00	Officer	$0	$0	$0
SUSAN GARGOTTA	TREASURER	1.00	Officer	$0	$0	$0
BEVERLY SWALLOWS	SECRETARY	8.00	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
2020	$46,727	$67,297	No data	$-20,570
2019	$110,663	$124,503	$20,670	$-13,840
2018	$133,385	$125,708	$34,530	$7,677

A CHANCE TO THRIVE INTERNATIONAL INC