UNDEFEATED COURAGE

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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

2016

Legal Domicile

Phone

7173860602

Tax Period

2024-07-01 to 2025-06-30

UNDEFEATED COURAGE, founded in 2016, is a micro nonprofit that reported $96K in total revenue in fiscal year 2024. Revenue fell 55% from the prior year — a significant decline worth monitoring.

Mission

UNDEFEATED COURAGE IS THE LAST HOPE BEFORE A WOMAN ENTERS ABORTION CLINIC.FIRST RESPONDERS FOR PREGNANT WOMEN IN CRISIS OFFERING A BEAUTIFUL AND SAFE SETTING FOR FREE COUNSELING, PREGNANCY TESTING AND LIMITED ULTRASOUNDS. HELP DEVELOPE AN ACTION PLAN.

Program Service Accomplishments

Program 1

Expenses: $71,581

PROVIDES COUNSELING, PREGNANCY TESTING, AND LIMITED ULTRASOUNDS FOR PREGNANT WOMEN IN CRISIS AND DEBATING TO ENTER AN ABORTION CLINIC

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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 $72,757

Program Service Revenue $17,726

Investment Income $345

Other Revenue $4,974

TOTAL REVENUE $95,802

Expense Breakdown

Grants Paid $0

Salaries & Benefits $58,661

Fundraising Expenses $2,832

Program Expenses $71,581

Other Expenses $37,913

TOTAL EXPENSES $96,574

Year-over-Year Comparison

	2024	2023	Change
Revenue	$95,802	$212,978	-0.6%
Expenses	$96,574	$227,262	-0.6%
Net Income	$-772	$-14,284	-0.9%

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

N/A

Independent Members

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BECKY BITER	EXECUTIVE DIRECTOR	40.00	Officer Director	$0	$0	$0
VIRGILIO CENTENERA	CFO	10.00	Officer Director	$0	$0	$0
SUSAN KEENY	NURSE MANAGER	20.00	Director Key Emp	$0	$0	$0
CAROLYN CICCOCIOPPO	SOCIAL MEDIA SUPPORT	5.00	Director	$0	$0	$0
STEVE GRIST	TRUSTEE	0.00	Director	$0	$0	$0
SHAWN BITER	CHAIRMAN	12.00	Officer	$0	$0	$0
SHARON KAERCHER	SECRETARY	4.00	Officer	$0	$0	$0
CHARLENE TALLMAN	TREASURER	4.00	Officer	$0	$0	$0
HOLLY WOLFGANG	ADMINISTRATIVE ASSISTANT	10.00	Key Emp	$0	$0	$0
JENIFER MORRISON	NURSE	0.00	Key Emp	$0	$0	$0
ELLEN METZGER	NURSE	0.00	Key Emp	$0	$0	$0
CHRISTINE WATSON	NURSE	0.00	Key Emp	$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	$95,802	$96,574	No data	$-772
2024	$212,978	$227,262	$124,152	$-14,284