A CHANCE TO THRIVE INTERNATIONAL INC (EIN 464494994) - 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

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 CHILDREN AND FAMILIES IN EASTERN EUROPE.

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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