TAKE CHARGE AMERICA 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

1987

Legal Domicile

Principal Officer

MANUEL SALAZAR

Phone

6232666100

Tax Period

2024-07-01 to 2025-06-30

TAKE CHARGE AMERICA INC, founded in 1987, is a community nonprofit in the Human Services sector that reported $8.7M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.9M, a strong 21% operating margin.

Mission

TAKE CHARGE AMERICA (TCA) PROVIDES FINANCIAL EDUCATION AND SERVICES TO IMPROVE THE LIVES OF INDIVIDUALS AND FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $4,566,954 Revenue: $6,835,335

EDUCATIONAL CREDIT COUNSELING - SEE SCHEDULE O.

Program 2

Expenses: $331,827 Revenue: $2,900

HOUSING: TAKE CHARGE AMERICA HELPED NEARLY 625 ARIZONANS IN FISCAL YEAR 2025 THROUGH A WIDE RANGE OF HUD-APPROVED HOUSING COUNSELING AND EDUCATIONAL SERVICES. TCA OFFERS SERVICES DESIGNED FOR EACH...

HOUSING: TAKE CHARGE AMERICA HELPED NEARLY 625 ARIZONANS IN FISCAL YEAR 2025 THROUGH A WIDE RANGE OF HUD-APPROVED HOUSING COUNSELING AND EDUCATIONAL SERVICES. TCA OFFERS SERVICES DESIGNED FOR EACH INDIVIDUAL'S NEEDS, WHETHER THEY RENT, OWN, OR WANT TO BUY. SPECIALIZED COUNSELING IS ALSO AVAILABLE FOR THOSE NEEDING RENTAL ASSISTANCE OR GUIDANCE IN RESOLVING DELINQUENCIES IN PAST DUE RENT AND MORTGAGE PAYMENTS. THE ORGANIZATION WORKS WITH A HOUSING INTERMEDIARY TO OBTAIN HUD GRANT FUNDS TO PROVIDE TO CLIENTS.

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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 $1,028,081

Program Service Revenue $6,838,235

Investment Income $834,149

Other Revenue $10,592

TOTAL REVENUE $8,711,057

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,792,834

Fundraising Expenses $0

Program Expenses $4,898,781

Other Expenses $3,054,513

TOTAL EXPENSES $6,847,347

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,711,057	$7,454,960	+0.2%
Expenses	$6,847,347	$7,598,980	-0.1%
Net Income	$1,863,710	$-144,020	-13.9%

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

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

$533,832

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALICE SWEENEY	CHAIR	2.00	Director	$0	$0	$0
DEBORAH HAYNES	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA BLUNT	DIRECTOR	1.00	Director	$0	$0	$0
KERWIN BROWN	DIRECTOR	1.00	Director	$0	$0	$0
JODY DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
DEL MONTE EDWARDS	DIRECTOR (THRU 10/24)	1.00	Director	$0	$0	$0
JONATHAN FOX	DIRECTOR	1.00	Director	$0	$0	$0
RALPH GILBERTSEN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA WHITE	DIRECTOR (THRU 10/24)	1.00	Director	$0	$0	$0
MANUEL SALAZAR	CEO	50.00	Officer	$271,484	$11,805	$283,289
BECKY MARTIN	DIRECTOR OF FINANCE	45.00	Officer	$110,062	$9,113	$119,175
WENDY ANDERSON	CHIEF COMPLIANCE OFFICER	45.00	Officer	$128,137	$3,231	$131,368
RICHARD MCDANIEL	DIRECTOR, FACILITIES & SEC	50.00	Highest	$123,229	$3,981	$127,210
AMY ROBBINS - ASSOC DIR	CREDIT COUNSELING (THRU 12/24)	45.00	Highest	$100,050	$5,462	$105,512

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
2025	$8,711,057	$6,847,347	$35,408,717	$1,863,710
2024	$7,454,960	$7,598,980	$31,330,752	$-144,020
2023	$14,416,068	$7,372,829	$30,858,017	$7,043,239
2022	$7,255,476	$7,631,667	$22,881,953	$-376,191
2021	$9,067,571	$8,177,996	$24,951,075	$889,575
2020	$8,384,046	$8,488,180	$23,667,026	$-104,134
2019	$8,082,536	$8,559,660	$22,875,712	$-477,124