ONE PERCENT FOR 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

2021

Legal Domicile

Principal Officer

LISA ZAPPALA

Phone

6174278600

Tax Period

2023-01-01 to 2023-12-31

ONE PERCENT FOR AMERICA INC, founded in 2021, is a micro nonprofit in the Human Services sector that reported $28K in total revenue in fiscal year 2023. Revenue surged 744% from the prior year, signaling strong growth momentum. Expenses of $2.2M exceeded revenue, resulting in a 7866% operating deficit.

Mission

BUILD AN INCLUSIVE FUTURE FOR AMERICA BY DRIVING DOWN THE COST OF FINANCING U.S. CITIZENSHIP FEES FOR MILLIONS OF NEW AMERICANS.

Program Service Accomplishments

Program 1

Expenses: $1,935,971 Revenue: $11,452

BUILD AN INCLUSIVE FUTURE FOR AMERICA BY DRIVING DOWN THE COST OF FINANCING U.S. CITIZENSHIP FEES FOR MILLIONS OF NEW AMERICANS.

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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 $16,616

Program Service Revenue $11,452

Investment Income $0

Other Revenue $0

TOTAL REVENUE $28,068

Expense Breakdown

Grants Paid $0

Salaries & Benefits $978,869

Fundraising Expenses $0

Program Expenses $1,935,971

Other Expenses $1,257,102

TOTAL EXPENSES $2,235,971

Year-over-Year Comparison

	2023	2022	Change
Revenue	$28,068	$3,325	+7.4%
Expenses	$2,235,971	$2,161,400	+0.0%
Net Income	$-2,207,903	$-2,158,075	+0.0%

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

N/A

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

$2,380,635

Total Directors

$1,870,846

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV JAMES WALSH	CLERK OF THE BOARD (UNTIL 10/2023)	1.00	Officer Director	$0	$0	$0
CHARLES CLARK	CHAIRMAN OF THE BOARD (UNTIL 10/2023)	1.00	Officer Director	$0	$0	$0
REESE FAYDE	BOARD MEMBER (UNTIL 10/2023)	1.00	Director	$0	$0	$0
ELYSE CHERRY	CEO & EX-OFFIC. BOARD MEMBER	0.00	Officer Director	$0	$117,866	$1,089,108
LISA ZAPPALA	CFO, TREASURER	0.00	Officer Director	$0	$57,904	$465,463
E MATTHEW GAUTIERI	SVP, CONTROLLER, CLERK (AS OF 10/23)	0.00	Officer Director	$0	$85,009	$316,275
DEWITT JONES	EXECUTIVE VP & EX-OFFICIO	0.00	Officer	$0	$83,792	$509,789
MICHAEL NILLES	SVP, COMMERCIAL LENDING, TEAM LEADER	0.00	Highest	$0	$44,274	$322,773
BRENDA LOYA	CHIEF OPERATING OFFICER	0.00	Highest	$0	$41,330	$286,866
KATHRYN MCHUGH	SVP, COMMERCIAL LENDING	0.00	Highest	$0	$45,427	$363,510
ANDREW KOH	SVP, OPERATIONS	0.00	Highest	$0	$91,894	$303,358
LUBNA ELIA	CHIEF ADMINISTRATIVE OFFICER	0.00	Highest	$0	$17,478	$270,277

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	$28,068	$2,235,971	$798,469	$-2,207,903
2022	$3,325	$2,161,400	$390,863	$-2,158,075
2021	$3,003,110	$1,830,946	$1,257,206	$1,172,164