UNUM International 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

2018

Legal Domicile

Principal Officer

Josue Chamale

Phone

3175087888

Tax Period

2024-01-01 to 2024-12-31

UNUM International Inc, founded in 2018, is a small nonprofit in the International Affairs sector that reported $246K in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $46K, a strong 19% operating margin.

Mission

UNUM International is a Christian nonprofit who seeks to address, educate, coordinate, and provide aid and relief to eradicate chronic malnutrition, physical and spiritual hunger, and illiteracy in Guatemala.

Program Service Accomplishments

Program 1

Expenses: $72,810 Revenue: $45,471

Holistic Development: This program provides spiritual, educational, and nutritional support to children living in communities affected by poverty and chronic malnutrition. In 2024, UNUM International served over 930 children across four communities. Spiritual discipleship was offered twice weekly for 10 months to 210 students, each following a personalized spiritual curriculum. Academic support was provided to 600 students through tutoring three times per week. An additional 120 middle school students participated in weekly technology and physical education classes. To address physical hunger, over 60,000 meals were served to children and families throughout the year.

Program 2

Expenses: $71,793 Revenue: $75,768

Mission Teams: This program mobilizes short-term volunteers from partner churches and communities to serve alongside UNUM's team in Guatemala, supporting outreach, construction, education, and...

Mission Teams: This program mobilizes short-term volunteers from partner churches and communities to serve alongside UNUM's team in Guatemala, supporting outreach, construction, education, and discipleship efforts. In 2024, UNUM hosted five mission trips in 2024, welcoming over 100 volunteers. These teams assisted with local development efforts, children's ministry, construction projects, and discipleship events, providing vital encouragement and labor in support of UNUM's long-term community development strategy.

Program 3

Expenses: $33,000

Global Fund: The Global Fund financially supports the expansion and implementation of UNUM International's holistic care model in underserved communities around the world. In 2024, the Global Fund...

Global Fund: The Global Fund financially supports the expansion and implementation of UNUM International's holistic care model in underserved communities around the world. In 2024, the Global Fund enabled the implementation of UNUM's programs in four Guatemalan communities, covering logistics, staffing, and programmatic expenses. It also supported the coordination of five international mission trips and provided infrastructure support for the organization's coffee-based sustainability initiative.

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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 $167,072

Program Service Revenue $78,586

Investment Income $0

Other Revenue $0

TOTAL REVENUE $245,658

Expense Breakdown

Grants Paid $122,500

Salaries & Benefits $0

Fundraising Expenses $447

Program Expenses $196,997

Other Expenses $77,628

TOTAL EXPENSES $200,128

Year-over-Year Comparison

	2024	2023	Change
Revenue	$245,658	$172,159	+0.4%
Expenses	$200,128	$161,224	+0.2%
Net Income	$45,530	$10,935	+3.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Josue Chamale	CEO	5.00	Officer Director	$0	$0	$0
Brian Wilson	Treasurer	2.00	Officer Director	$0	$0	$0
Samuel Bistrian	Vice President	1.00	Officer Director	$0	$0	$0
Steve Whittaker	Chairman	2.00	Officer Director	$0	$0	$0
Cassandra Perez	Secretary	2.00	Officer 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	$245,658	$200,128	$62,517	$45,530