COURAGE TO CHANGE

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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

1998

Legal Domicile

Principal Officer

SUSAN GAMBINI

Phone

5595944855

Tax Period

2025-01-01 to 2025-12-31

COURAGE TO CHANGE, founded in 1998, is a community nonprofit in the Human Services sector that reported $4.1M in total revenue in fiscal year 2025. Revenue surged 66% from the prior year, signaling strong growth momentum. Expenses of $3.6M left a modest 14% surplus.

Mission

The mission of Courage to Change is to treat adolescent residents involved in substance abuse, gang activities, and/or other related problems.

Program Service Accomplishments

Program 1

Expenses: $2,907,855 Revenue: $2,934,308

TREATMENT OF ADOLESCENT RESIDENTS INVOLVED IN SUBSTANCE ABUSE, GANG ACTIVITIES AND/OR OTHER RELATED PROBLEMS

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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 $169

Program Service Revenue $2,934,308

Investment Income $257,073

Other Revenue $933,479

TOTAL REVENUE $4,125,029

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,555,846

Fundraising Expenses $0

Program Expenses $2,907,855

Other Expenses $994,431

TOTAL EXPENSES $3,550,277

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,125,029	$2,482,649	+0.7%
Expenses	$3,550,277	$3,435,544	+0.0%
Net Income	$574,752	$-952,895	-1.6%

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

$146,615

Total Directors

$253,307

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN GAMBINI	Secretary	40.00	Officer Director	$146,615	$0	$146,615
GARY BONDS	Director	40.00	Director	$106,692	$0	$106,692
DAVID LEARNED	President	1.00	Officer Director	$0	$0	$0
KENNETH PETERSON	Vice President	1.00	Officer Director	$0	$0	$0
JOAN VAN GRONINGEN	Director	1.00	Director	$0	$0	$0
PAUL DE NING	Director	0.00	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	$4,125,029	$3,550,277	$2,258,950	$574,752
2024	No data	No data	No data	No data
2023	$2,446,746	$3,168,778	$2,538,059	$-722,032
2022	$3,932,490	$3,081,611	$3,283,233	$850,879
2021	$2,907,905	$3,500,015	$2,516,521	$-592,110
2020	$3,976,351	$4,416,225	$3,157,047	$-439,874
2019	$5,226,252	$4,378,001	$3,616,377	$848,251
2018	$4,180,719	$4,112,602	$2,884,387	$68,117