TERROS 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

1969

Legal Domicile

Principal Officer

KAREN HOFFMAN TEPPER

Phone

6025122968

Tax Period

2023-10-01 to 2024-09-30

TERROS INC, founded in 1969, is a mid-sized nonprofit in the Unknown sector that reported $98.5M in total revenue in fiscal year 2023.

Mission

TERROS HEALTH IS A WHOLE HEALTH, WHOLE PERSON INTEGRATED CARE PROVIDER DELIVERING PHYSICAL HEALTH CARE WITH SPECIALIZATION IN SUBSTANCE USE RECOVERY, MENTAL HEALTH, PREVENTION, WELLNESS AND FAMILY SERVICES. TERROS HEALTH SEEKS TO INSPIRE CHANGE FOR LIFE FOR ARIZONANS THROUGH OUR VALUES OF INTEGRITY, COMPASSION, EMPOWERMENT WITH DIVERSITY WOVEN THROUGHOUT. TERROS HEALTH PROVIDES A FULL SPECTRUM OF PRIMARY CARE AND BEHAVIORAL HEALTH SERVICES WITHIN A PATIENT CENTERED MEDICAL HOME INTEGRATED CARE MODEL.

Program Service Accomplishments

Program 1

Expenses: $54,322,516 Revenue: $58,834,970

OUTPATIENT SERVICES PROVIDE INTEGRATED WHOLE PERSON CARE TO FAMILIES, ADULTS, ADOLESCENTS, YOUTH AND CHILDREN; PROVIDING PHYSICAL HEALTH CARE, WELLNESS, PREVENTION, BEHAVIORAL AND MENTAL HEALTH...

OUTPATIENT SERVICES PROVIDE INTEGRATED WHOLE PERSON CARE TO FAMILIES, ADULTS, ADOLESCENTS, YOUTH AND CHILDREN; PROVIDING PHYSICAL HEALTH CARE, WELLNESS, PREVENTION, BEHAVIORAL AND MENTAL HEALTH COUNSELING, SUBSTANCE USE DISORDER AND ADDICTION TREATMENT, SCHOOL BASED SERVICES, LIVING SUPPORTS, MEDICATION ASSISTED TREATMENT (MAT), INTENSIVE OUTPATIENT THERAPIES,GENDER-SPECIFIC SERVICES. THESE FAMILY AND INDIVIDUAL SERVICES, INTEGRATED WITH PRIMARY CARE SERVICES, HELP PATIENTS ACHIEVE THEIR HIGHEST LEVELS OF WELLNESS AND INDEPENDENCE. SERVICES ARE EVIDENCED BASED AND TRAUMA INFORMED. FOR THE YEAR, APPROXIMATELY 26,100 PEOPLE RECEIVED OUTPATIENT SERVICES.

Program 2

Expenses: $11,882,285 Revenue: $7,664,761

CRISIS SERVICES INCLUDE: 1) MOBILE CRISIS SERVICE TEAMS ASSIST FAMILIES, ADULTS AND CHILDREN IN CENTRAL AND NORTHERN ARIZONA FACING AN IMMEDIATE CRISIS OR PSYCHIATRIC EMERGENCY THROUGH THE EMOTIONAL DISTRESS, MENTAL HEALTH OR BEHAVIORAL HEALTH CHALLENGES, ALCOHOL AND DRUG USE, OR DEVELOPMENTAL DISABILITY. TEAMS RESPOND TO SITUATIONS ON SITE, WHETHER IN THE HOME, AT SCHOOL, ON THE STREETS, OR IN A HOSPITAL AND PROVIDE BEHAVIORAL HEALTH ASSESSMENT, CONNECTION TO CARE, AND FOLLOW-UP CARE. FOR THE YEAR, APPROXIMATELY 8,700 PEOPLE RECEIVED CRISIS SERVICES.

Program 3

Expenses: $11,539,820 Revenue: $9,246,127

FAMILY SERVICES OFFERS FAMILY-FOCUSED TREATMENT TO ENSURE HEALTHY FAMILIES AND CHILDREN. SPECIALTY SERVICES FOCUS ON SUBSTANCE USE DISORDER TREATMENT TO FAMILIES WHERE SUBSTANCE USE HAS BEEN...

FAMILY SERVICES OFFERS FAMILY-FOCUSED TREATMENT TO ENSURE HEALTHY FAMILIES AND CHILDREN. SPECIALTY SERVICES FOCUS ON SUBSTANCE USE DISORDER TREATMENT TO FAMILIES WHERE SUBSTANCE USE HAS BEEN IDENTIFIED AS PUTTING CHILDREN AT RISK. THESE SERVICES PROMOTE FAMILY STABILITY WHILE SUPPORTING CHILD SAFETY. PROVIDING PARENTS AND CAREGIVERS THE TOOLS NEEDED TO SUCCESFULLY RAISE CHILDREN TO YOUNG ADULTHOOD. CHILD AND ADOLESCENT SERVICES FOCUS ON LEARNING, COPING SKILLS, SUBSTANCE USE PREVENTION, AND BEHAVIOR DEVELOPMENT. SERVICES ARE EVIDENCED BASED AND TRAUMA INFORMED. THERE WERE APPROXIMATELY 5,200 FAMILIES SERVED BY FAMILY SERVICES DURING THE YEAR.

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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 $16,106,295

Program Service Revenue $80,973,221

Investment Income $1,315,272

Other Revenue $140,939

TOTAL REVENUE $98,535,727

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,929,682

Fundraising Expenses $0

Program Expenses $84,967,626

Other Expenses $24,143,866

TOTAL EXPENSES $98,073,548

Year-over-Year Comparison

	2023	2022	Change
Revenue	$98,535,727	$95,819,912	+0.0%
Expenses	$98,073,548	$92,117,713	+0.1%
Net Income	$462,179	$3,702,199	-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

Independent Members

Employees

1243

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

$1,291,271

Total Directors

Key Employees

$777,377

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE KURTENBACH	CHAIR	2.00	Officer Director	$0	$0	$0
BUFFY WOOTEN	VICE CHAIR	2.00	Officer Director	$0	$0	$0
CAROLYN KROOT	TREASURER	2.00	Officer Director	$0	$0	$0
BUCKY BIDWILL	SECRETARY	2.00	Officer Director	$0	$0	$0
CALVIN COLE	IMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
MIKE DURAN III	DIRECTOR	2.00	Director	$0	$0	$0
MELINDA KOVACS	DIRECTOR	2.00	Director	$0	$0	$0
STELLA O'ROURKE	DIRECTOR	2.00	Director	$0	$0	$0
KENNY POOLE	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH STOLTZ	DIRECTOR	2.00	Director	$0	$0	$0
MONICA TREJO	DIRECTOR	2.00	Director	$0	$0	$0
GRACE O'SULLIVAN	DIRECTOR THRU 01/2024	2.00	Director	$0	$0	$0
NANNY MCKENNA CPA	DIRECTOR THRU 07/2024	2.00	Director	$0	$0	$0
JENNIFER NYE	CHIEF OPERATIONS OFFICER	40.00	Officer	$180,075	$9,184	$189,259
KAREN HOFFMAN TEPPER	PRESIDENT/CEO	40.00	Officer	$307,948	$51,299	$359,247
VANNA CAMPION MD	CHIEF MEDICAL OFFICER	40.00	Officer	$302,887	$34,058	$336,945
MICHAEL MARION	CHIEF FINANCIAL OFFICER	40.00	Officer	$185,468	$19,414	$204,882
SAFFRON CAREW	CHIEF INTEGRATION OFFICER	40.00	Officer	$181,285	$19,653	$200,938
JON ALLISON	MEDICAL DIRECTOR	40.00	Key Emp	$428,414	$35,474	$463,888
JOCELYN VERDUGO	MEDICAL DIRECTOR	40.00	Key Emp	$282,419	$31,070	$313,489
STEVE FRIEDLAND	PSYCHIATRIST	40.00	Highest	$305,766	$34,115	$339,881
LILLIAM VILLALOBOS	PSYCHIATRIST	40.00	Highest	$292,178	$25,778	$317,956
JOAO ESTEVES	PSYCHIATRIST	40.00	Highest	$284,468	$23,093	$307,561
MONICA BENAVIDEZ	PSYCHIATRIST	40.00	Highest	$262,770	$29,680	$292,450
CAROLYN BURCHAM	PSYCHIATRIST	40.00	Highest	$197,283	$9,963	$207,246

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	$98,535,727	$98,073,548	$64,571,075	$462,179
2023	$95,819,912	$92,117,713	$61,988,426	$3,702,199
2022	$86,203,578	$83,520,825	$53,068,509	$2,682,753
2021	$84,266,385	$79,116,694	$47,004,822	$5,149,691
2020	$85,348,499	$82,230,953	$41,071,151	$3,117,546
2019	$74,385,953	$74,726,656	$36,978,227	$-340,703
2018	$79,119,632	$78,818,122	$35,206,941	$301,510