INTERRA CARES FOUNDATION 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

2017

Legal Domicile

Principal Officer

DAVID W BIRKY

Phone

5745342506

Tax Period

2024-01-01 to 2024-12-31

INTERRA CARES FOUNDATION INC, founded in 2017, is a small nonprofit in the Education sector that reported $177K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. Expenses of $365K exceeded revenue, resulting in a 107% operating deficit.

Mission

LIVING THE CREDIT UNION PHILOSOPHY OF PEOPLE HELPING PEOPLE. THE MISSION OF THE INTERRA CARES FOUNDATION IS TO MAKE A POSITIVE IMPACT ON THE LIVES OF THE PEOPLE SERVED BY INTERRA CREDIT UNION AND IN THE COMMUNITIES IN WHICH WE DO BUSINESS, FOCUSING PRIMARILY ON: -FINANCIAL EDUCATION & ECONOMIC EMPOWERMENT -LIFTING UP THOSE IN NEED OR COMMUNITY GIVEBACK -ENHANCING THE QUALITY OF LIFE IN THE COMMUNITIES SERVED BY INTERRA CREDIT UNION

Program Service Accomplishments

Program 1

Expenses: $355,987

THE FOUNDATION OPERATES TO SUPPORT THOSE SERVED BY INTERRA CREDIT UNION AND SURROUNDING AREAS BY FOCUSING ON FINANCIAL EDUCATION, ECONOMIC EMPOWERMENT, COMMUNITY GIVEBACK AND ENHANCING THE QUALITY OF LIFE TO INCLUDE: QCASH - SMALL DOLLAR, SMART PHONE LENDING APP SERVING 2,973 CREDIT UNION MEMBERS; GREENPATH FINANCIAL WELLNESS - CREDIT AND DEBT COUNSELING AND EDUCATION SERVING 595 MEMBERS; COMMUNITY IMPACT FUND - 0% INTEREST RATE LOAN OFFERED AS EMPLOYEE BENEFIT SERVING 15 EMPLOYEES; AND ALTERNATIVE AUTO LENDING - RELATIONSHIP-BASED LOAN FOR RELIABLE TRANSPORTATION.

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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 $176,598

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $176,598

Expense Breakdown

Grants Paid $195,226

Salaries & Benefits $147,924

Fundraising Expenses $0

Program Expenses $355,987

Other Expenses $21,799

TOTAL EXPENSES $364,949

Year-over-Year Comparison

	2024	2023	Change
Revenue	$176,598	$214,381	-0.2%
Expenses	$364,949	$99,096	+2.7%
Net Income	$-188,351	$115,285	-2.6%

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

$409,259

Total Directors

$20,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID W BIRKY	CHIEF STRATE	1.00	Officer	$147,924	$84,354	$389,259
BRUCE STAHLEY	CHAIR	1.00	Officer Director	$0	$0	$20,000
KATHY BREWTON	DIRECTOR	1.00	Director	$0	$0	$0
KENT EBY	TREASURER	1.00	Officer Director	$0	$0	$0
NATALIE EVANS	DIRECTOR	1.00	Director	$0	$0	$0
LINDA GARBER	DIRECTOR	1.00	Director	$0	$0	$0
JODI SPATARO	SECRETARY	1.00	Officer Director	$0	$0	$0
RICK STIFFNEY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BRAD YODER	DIRECTOR	1.00	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
2024	$176,598	$364,949	$231,006	$-188,351
2023	$214,381	$99,096	$419,357	$115,285
2022	$242,627	$219,958	$304,072	$22,669