CHALLENGE ENTERPRISES OF NORTH FL INC (EIN 591478621) - 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

1972

Legal Domicile

Principal Officer

KATHERINE L VINEYARD

Phone

9042849859

Tax Period

2024-10-01 to 2025-09-30

CHALLENGE ENTERPRISES OF NORTH FL INC, founded in 1972, is a mid-sized nonprofit in the Human Services sector that reported $12.8M in total revenue in fiscal year 2024. Expenses of $11.9M left a modest 7% surplus.

Mission

THE MISSION OF THE ORGANIZATION IS TO PROMOTE THE POWER OF PEOPLE AND POSSIBILITIES FOR INDIVIDUALS LIVING WITH DISABILITIES THIS MISSION IS ACHIEVED BY PROVIDING EDUCATIONAL, PREVOCATIONAL, RESIDENTIAL, JOB TRAINING, EMPLOYMENT, AND OTHER SUPPORT PROGRAMS

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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 $750,376

Program Service Revenue $12,066,822

Investment Income $85,427

Other Revenue $-66,817

TOTAL REVENUE $12,835,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,445,701

Fundraising Expenses $0

Program Expenses $11,058,610

Other Expenses $2,463,771

TOTAL EXPENSES $11,909,472

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,835,808	$12,138,442	+0.1%
Expenses	$11,909,472	$12,081,150	0.0%
Net Income	$926,336	$57,292	+15.2%

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

384

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

$224,222

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD KELLY	PRESIDENT	N/A	Officer	$0	$0	$0
TINA CROWDER	DIRECTOR	N/A	Director	$0	$0	$0
TIM SIMPSON	VICE PRESIDE	N/A	Officer	$0	$0	$0
BILL POWERS	DIRECTOR	N/A	Director	$0	$0	$0
MARK SCRUBY	DIRECTOR	N/A	Director	$0	$0	$0
IRIS KING	DIRECTOR	N/A	Director	$0	$0	$0
DENISE ADAMS	DIRECTOR	N/A	Director	$0	$0	$0
KATHERINE L VINEYARD	CEO	40.00	Officer	$133,380	$90,842	$224,222
BROOKE DAVIS	DIRECTOR	N/A	Director	$0	$0	$0
NANCY C KEATING	CEO	40.00		$124,032	$0	$124,032

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	$12,835,808	$11,909,472	$10,108,512	$926,336
2024	$12,138,442	$12,081,150	$9,209,008	$57,292
2023	$12,026,646	$11,297,667	$9,168,523	$728,979
2022	$10,879,168	$9,589,723	$8,450,473	$1,289,445
2021	$8,968,724	$8,533,027	$7,222,095	$435,697
2020	$8,247,033	$8,157,056	$6,780,938	$89,977
2019	$8,023,192	$7,770,668	$5,592,379	$252,524
2018	$7,430,383	$7,008,778	$5,336,317	$421,605

CHALLENGE ENTERPRISES OF NORTH FL INC