KEYSTONE CHALLENGE FUND INC

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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

1991

Legal Domicile

Principal Officer

JEFF BAGWELL

Phone

8636821025

Tax Period

2025-01-01 to 2025-12-31

KEYSTONE CHALLENGE FUND INC, founded in 1991, is a small nonprofit in the Housing & Shelter sector that reported $863K in total revenue in fiscal year 2025. Revenue surged 33% from the prior year, signaling strong growth momentum.

Mission

COORDINATING FINANCIAL ASSISTANCE AND EDUCATIONAL SERVICES TO INDIVIDUALS AND FAMILIES QUALIFYING FOR LOW INCOME AND AFFORDABLE HOUSING OPPORTUNITIES

Program Service Accomplishments

Program 1

Expenses: $848,423 Revenue: $868,319

COSTS AND EXPENDITURES RELATING TO THE ORGANIZATION'S PURPOSE FOR LOW INCOME AND AFFORDABLE HOUSING OPPORTUNITIES

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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 (2025)

Revenue Breakdown

Contributions & Grants $48,799

Program Service Revenue $819,520

Investment Income $6,588

Other Revenue $-11,838

TOTAL REVENUE $863,069

Expense Breakdown

Grants Paid $0

Salaries & Benefits $130,523

Fundraising Expenses $5,247

Program Expenses $848,423

Other Expenses $759,356

TOTAL EXPENSES $896,229

Year-over-Year Comparison

	2025	2024	Change
Revenue	$863,069	$647,466	+0.3%
Expenses	$896,229	$645,836	+0.4%
Net Income	$-33,160	$1,630	-21.3%

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

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

$118,175

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF BAGWELL	PRESIDENT	40.00	Officer	$110,175	$0	$110,175
BETH NEIMEYER	VICE PRESIDE	4.00	Officer	$8,000	$0	$8,000
OD JONES	BOARD MEMBER	N/A	Director	$0	$0	$0
BRENDA VAUGHN	BOARD MEMBER	N/A	Director	$0	$0	$0
FRANK COMPARETTO	BOARD MEMBER	N/A	Director	$0	$0	$0
JOYCE BROCK	ADVISORY BOA	0.00	Director	$0	$0	$0
CODY STANLEY	ADVISORY BOA	N/A	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
2025	$863,069	$896,229	$737,355	$-33,160
2024	$647,466	$645,836	$813,635	$1,630
2023	$190,341	$278,382	$954,376	$-88,041
2022	$324,601	$544,687	$1,149,532	$-220,086
2021	$753,790	$729,391	$1,411,927	$24,399
2020	$630,461	$706,337	$1,407,064	$-75,876