TERRAMICA (EIN 473893106) - 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

2016

Legal Domicile

Principal Officer

PAM APFFEL

Phone

9496006091

Tax Period

2022-01-01 to 2022-12-31

TERRAMICA, founded in 2016, is a small nonprofit in the Human Services sector that reported $238K in total revenue in fiscal year 2022. Expenses of $224K left a modest 6% surplus.

Mission

TO TRAIN IMPOVERISHED FAMILIES HOW TO IMPROVE GENERATIONAL BEHAVIOUR.

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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 (2022)

Revenue Breakdown

Contributions & Grants $237,779

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $237,779

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $59,237

Program Expenses $146,805

Other Expenses $169,902

TOTAL EXPENSES $223,702

Year-over-Year Comparison

	2022	2021	Change
Revenue	$237,779	$250,270	0.0%
Expenses	$223,702	$271,503	-0.2%
Net Income	$14,077	$-21,233	-1.7%

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

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
EDWARD APFELL	CHAIRMAN	020.00	Officer Director	$0	$0	$0
PHIL WILLIAMS FROM JAN 2022	DIRECTOR	001.00	Director	$0	$0	$0
KARA NORDBERG FROM MARCH 2022	DIRECTOR	001.00	Director	$0	$0	$0
TOM HUBBARD FROM MARCH 2022	DIRECTOR	001.00	Director	$0	$0	$0
TREVOR OUTMAN FROM MARCH 2022	DIRECTOR	001.00	Director	$0	$0	$0
PAM APFEL	TREASURER,SECRETARY	020.00	Officer 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
2022	$237,779	$223,702	$74,354	$14,077
2021	$250,278	$271,503	$3,091	$-21,225
2020	$87,168	$128,487	$24,316	$-41,319
2019	$260,283	$198,271	$65,635	$62,012

TERRAMICA