DREAM WORTHY DBA CTEK (EIN 824821267) - Form 990 Financial Analysis & Trantor Score

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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

2018

Legal Domicile

Principal Officer

LU CORDOVA

Phone

7208081700

Tax Period

2023-01-01 to 2023-12-31

DREAM WORTHY DBA CTEK, founded in 2018, is a micro nonprofit in the Community Improvement sector that reported $69K in total revenue in fiscal year 2023. Revenue surged 331% from the prior year, signaling strong growth momentum. The organization ran a surplus of $53K, a strong 77% operating margin.

Mission

TO BREAK DOWN BARRIERS TO ENTREPRENEURSHIP WORLDWIDE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $35,554

Program Service Revenue $0

Investment Income $33,756

Other Revenue $-455

TOTAL REVENUE $68,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,500

Fundraising Expenses $1,887

Program Expenses $10,072

Other Expenses $8,074

TOTAL EXPENSES $15,574

Year-over-Year Comparison

	2023	2022	Change
Revenue	$68,855	$15,984	+3.3%
Expenses	$15,574	$29,060	-0.5%
Net Income	$53,281	$-13,076	-5.1%

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

N/A

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

$7,500

Total Directors

$7,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LU CORDOVA	CHAIR	10.00	Officer Director	$7,500	$0	$7,500
JOHN HILL	CFO	10.00	Officer Director	$0	$0	$0
WENDY LEA	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBRA CONROY	BOARD MEMBER	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	No data	No data	No data	No data
2023	$68,855	$15,574	$815,990	$53,281
2022	$15,984	$29,060	$764,898	$-13,076
2021	$58,261	$38,079	$778,895	$20,182
2020	$18,653	$33,972	$759,055	$-15,319
2019	$56,216	$63,343	$781,384	$-7,127
2018	$821,058	$39,961	$802,811	$781,097

DREAM WORTHY DBA CTEK