P A C T A 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

1995

Principal Officer

Ruben Ramos Aguilar

Phone

7876508777

Tax Period

2024-01-01 to 2024-12-31

P A C T A INC, founded in 1995, is a small nonprofit in the Diseases & Disorders sector that reported $548K in total revenue in fiscal year 2024. Revenue surged 144% from the prior year, signaling strong growth momentum. The organization ran a surplus of $269K, a strong 49% operating margin.

Mission

PACTA offers support, education and health services to promote the development of the human potential in all life stages; promotes participants' identification of strengths to develop resilience and self-reliance; and establishes alliances and collaborations to expand the scope of our health, education, housing and human development services.

Program Service Accomplishments

Program 1

Expenses: $269,167 Revenue: $0

Proyecto Sigue Adelante-Our SIGUE ADELANTE (Move Forward) project offers psychosocial and educational services to people living with HIV/AIDS and their relatives; emergency assistance (utility...

Proyecto Sigue Adelante-Our SIGUE ADELANTE (Move Forward) project offers psychosocial and educational services to people living with HIV/AIDS and their relatives; emergency assistance (utility payments for energy, water and gas; transportation to medical appointments and support services; food vouchers; nutritional supplements; medical equipment; dental services; eyeglasses; medications not covered by their medical insurance, and others); psychosocial support services (clinical social work, support groups, and linkages to advanced mental health services, among others) and empowering educational services to improve their quality of life so they can remain in clinical care and adhere to treatments. Our current caseload is 180 HIV/Aids participants, of which 170 are active in support services among a broader caseload of over 300 identified individuals living with HIV/AIDS.

Program 2

Expenses: $10,000 Revenue: $0

Proyecto Abriendo Oportunidades-Proyecto Abriendo Oportunidades (PAO) offers: Psychosocial and educational services for youth ages 17-25 with experiences of trauma. Leadership development, mentoring and empowerment tools are provided. The participant has a constant and deep interaction with himself, his peers, family and environment. The educational module (12 sessions) is divided into 3 stages: Stage 1: Naked Heart, where issues of self-knowledge, self-esteem, proactivity and personal goals are covered. Stage 2: Shared Heart with topics on empathy and otherness, interpersonal relationships, perception and understanding, and conflict resolution. Stage 3: Burning Heart, where issues of cooperation and unity, intergenerational power, social responsibility and self-awareness are addressed. Each bi-weekly 1-hour session concludes with "challenges" (bi-weekly challenges/missions) which serve as an introduction to the topics or as practice for that topic. Total of client served are 30 in individual session and 15 in group sessions.

Program 3

Expenses: $0 Revenue: $0

N/A

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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 $548,473

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $548,473

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,342

Fundraising Expenses $0

Program Expenses $279,167

Other Expenses $216,825

TOTAL EXPENSES $279,167

Year-over-Year Comparison

	2024	2023	Change
Revenue	$548,473	$225,116	+1.4%
Expenses	$279,167	$251,116	+0.1%
Net Income	$269,306	$-26,000	-11.4%

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

N/A

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

$16,700

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ruben Ramos	Director	40	Officer	$8,576	$0	$8,576
Britzeida Ramos	Program Coordinator	40	Officer	$8,124	$0	$8,124

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
2024	$548,473	$279,167	$375,365	$269,306
2023	$225,116	$251,116	$119,840	$-26,000
2022	$252,148	$193,583	$135,889	$58,565
2021	$218,702	$218,959	$84,278	$-257