CHECKERED FLAG CHALLENGE (EIN 851010590) - 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

2020

Legal Domicile

Principal Officer

TERESE ZLOTOFF

Phone

2489531526

Tax Period

2024-01-01 to 2024-12-31

CHECKERED FLAG CHALLENGE, founded in 2020, is a small nonprofit in the Human Services sector that reported $146K in total revenue in fiscal year 2024. Revenue surged 69% from the prior year, signaling strong growth momentum. Expenses of $225K exceeded revenue, resulting in a 54% operating deficit.

Mission

RAISING FUNDS TO BENEFIT PONTIAC RESIDENTS

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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 $128,001

Program Service Revenue $0

Investment Income $0

Other Revenue $17,854

TOTAL REVENUE $145,855

Expense Breakdown

Grants Paid $200,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $200,000

Other Expenses $24,767

TOTAL EXPENSES $224,767

Year-over-Year Comparison

	2024	2023	Change
Revenue	$145,855	$86,204	+0.7%
Expenses	$224,767	$117,054	+0.9%
Net Income	$-78,912	$-30,850	+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

N/A

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
TERESE ZLOTOFF	PRESIDENT AND CHAIRPERSON	5.00	Director	$0	$0	$0
COLLEEN PETERS	DIRECTOR	2.00	Director	$0	$0	$0
VIVIAN PICKARD	SECRETARY	2.00	Director	$0	$0	$0
JOHN P GONWAY	DIRECTOR	2.00	Director	$0	$0	$0
DELANA BORJA	TREASURER	2.00	Director	$0	$0	$0
LYDIA GAUZER	DIRECTOR	2.00	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	$145,855	$224,767	$24,282	$-78,912
2023	$86,204	$117,054	$69,594	$-30,850
2022	$60,218	$12,981	$106,844	$47,237
2021	$109,519	$116,826	$33,101	$-7,307

CHECKERED FLAG CHALLENGE