INCHARGE INSTITUTE OF AMERICA INC (EIN 522196183) - 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

1999

Legal Domicile

Principal Officer

LORETTA RONEY

Phone

4072917770

Tax Period

2023-01-01 to 2023-12-31

INCHARGE INSTITUTE OF AMERICA INC, founded in 1999, is a small nonprofit that reported $286K in total revenue in fiscal year 2023. Revenue fell 77% from the prior year — a significant decline worth monitoring. Expenses of $3.9M exceeded revenue, resulting in a 1271% operating deficit.

Mission

TO PROVIDE GENERAL AND ADMINISTRATIVE SUPPORT TO AFFILIATED ENTITIES AND PERSONAL FINANCIAL EDUCATIONAL CONTENT TO CONSUMERS ON THE MILITARYMONEY WEBSITE.

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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 $0

Program Service Revenue $449,204

Investment Income $-163,217

Other Revenue $0

TOTAL REVENUE $285,987

Expense Breakdown

Grants Paid $0

Salaries & Benefits $295,058

Fundraising Expenses $0

Program Expenses $1,716,695

Other Expenses $3,626,136

TOTAL EXPENSES $3,921,194

Year-over-Year Comparison

	2023	2022	Change
Revenue	$285,987	$1,217,547	-0.8%
Expenses	$3,921,194	$1,210,265	+2.2%
Net Income	$-3,635,207	$7,282	-500.2%

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

$781,664

Total Directors

$239,213

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD ANDERSON	TRUSTEE	1.00	Director	$0	$0	$0
ETTA W MONEY	PRESIDENT/CEO UNTIL MAY	1.00	Officer Director	$0	$25,206	$239,213
SEIJI SHIRAISHI	DIR. OF ACCOUNTING AND FINANCE	11.00	Officer	$35,219	$29,251	$169,024
WILLIAM MALSEED	SECRETARY/TREASURER UNTIL MAY	1.00	Officer	$0	$10,387	$140,202
LORETTA RONEY	PRESIDENT & CEO AS OF JUNE	1.00	Officer	$0	$9,006	$233,225

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
2023	$285,987	$3,921,194	No data	$-3,635,207
2022	$1,217,547	$1,210,265	$3,595,478	$7,282
2021	$1,124,873	$1,040,037	$3,848,389	$84,836
2020	$3,032,701	$939,935	$3,788,156	$2,092,766
2019	$3,247,722	$3,645,482	$2,027,645	$-397,760
2018	$3,413,369	$3,411,449	$2,325,322	$1,920

INCHARGE INSTITUTE OF AMERICA INC