CREATING OPPORTUNITIES FOR ALL

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2021

Legal Domicile

Principal Officer

HELLEN GELBAND

Phone

3012703055

Tax Period

2023-01-01 to 2023-12-31

CREATING OPPORTUNITIES FOR ALL, founded in 2021, is a small nonprofit in the International Affairs sector that reported $164K in total revenue in fiscal year 2023. Revenue surged 212% from the prior year, signaling strong growth momentum. Expenses of $184K exceeded revenue, resulting in a 12% operating deficit.

Mission

NONE

Program Service Accomplishments

Program 1

Expenses: $44,600

KING KAMA LUNCHES AND TEACHER STIPENDS, MILE 91 BUILDING, ADAMA SCHOOL SUPPLIES:PROVIDING NEEDED LUNCHES FOR STUDENTS AT THE KING KAMA SCHOOL PLUS TEACHER STIPENDS AND NEEDED SCHOOL SUPPLIES.

Program 2

Expenses: $59,500

NOURISHING YOUNG MINDS AND BODIESTHIS MONTH-LONG SCHOOL AND FEEDING PROGRAM OPERATES DURING JULY-AUGUST, WHEN FOOD SUPPLIES ARE LOWEST AND MANY PEOPLE SUBSIST ON A SINGLE MEAL EACH DAY, AND WHEN THE REGULAR SCHOOLS ARE CLOSED. INITIATED IN 2020 IN FOUR SCHOOLS AND PAID FOR PRIVATELY BY COFA'S FOUNDER AND A GOFUNDME CAMPAIGN, IN 2022 IT RECEIVED FOUNDATION FUNDING TO SUPPORT CLASSROOM TEACHING AND PROVIDE DAILY LUNCH IN 11 SCHOOLS IN THE LUNSAR REGION FOR MORE THAN 2,500 PRIMARY- AND SECONDARY-SCHOOL STUDENTS. THE PROGRAM PROVIDES A MONTH'S SALARY TO THE TEACHERS AND THE LOCAL WOMEN WHO PREPARE THE DAILY LUNCH. THE PROJECT ALSO SUPPORTS LOCAL YOUNG MEN AND WOMEN, PREVIOUSLY UNEMPLOYED, WHO GROW THE RICE USED FOR MEALS, ON LAND RENTED BY COFA.

Program 3

Expenses: $48,500

GROWING FAMILY PROSPERITYNOW IN ITS SECOND YEAR, THIS12-MONTH AGRICULTURAL PROGRAM AIMS TO PROVIDE BASIC FARMING SUPPLIES AND GUIDANCE TO HOUSEHOLDS IN RURAL COMMUNITIES, TO ENABLE FAMILIES TO GROW CROPS AND THEREBY PROVIDE FOOD FOR THEMSELVES AND SELL THE SURPLUS TO PRODUCE INCOME. ALL SUPPLIES AND SALARIES FOR THE PROJECT MANAGER, A TRAINED AGRONOMIST, AND EXTENSION WORKERS ARE FUNDED BY COFA. PARTICIPANTS RECEIVE FIELD TRAINING FROM THE PROJECT STAFF TO GROW RICE, GROUNDNUTS, CUCUMBERS, PEPPERS, OKRA, CASSAVA, AND POTATOES. IN ADDITION, EACH FAMILY RECEIVES A PAIR OF GOATS AND CHICKENS. HARVESTS AND SEED BANKING, FOR FUTURE CROPS, TAKE PLACE OVER THE COURSE OF THE YEAR. THE FIRST "CLASS" OF 30 FAMILIES COMPLETED THEIR FIRST YEAR AND ARE ON THE PATH TO SELF-SUFFICIENCY. THEY ARE NOT BEING SUPPORTED FINANCIALLY BY COFA, BUT ARE STILL RECEIVING REGULAR VISITS FROM STAFF AND ADVICE. ALL 30 FAMILIES WERE ABLE TO IMPROVE THEIR LIVES BY SENDING CHILDREN TO SCHOOL, PURCHASING MORE LAND TO FARM, PAYING OFF DEBTS, IMPROVING THEIR HOMES, ETC. THE SECOND CLASS OF 25 FAMILIES HAVE ALREADY BEGUN THEIR JOURNEY. A NEW PROGRAM OF COMPOSTING TO PRODUCE FERTILIZER IS BEING INTRODUCED TO ALL 55 FAMILIES IN 2024, WHICH SHOULD REDUCE DEPENDENCE ON CHEMICAL FERTILIZER. A PILOT PROGRAM TO PROCESS CASSAVA ROOT IS BEING ESTABLISHED IN 3 VILLAGES.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $162,952

Program Service Revenue $0

Investment Income $870

Other Revenue $0

TOTAL REVENUE $163,822

Expense Breakdown

Grants Paid $180,200

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $180,200

Other Expenses $3,740

TOTAL EXPENSES $183,940

Year-over-Year Comparison

	2023	2022	Change
Revenue	$163,822	$52,457	+2.1%
Expenses	$183,940	$95,958	+0.9%
Net Income	$-20,118	$-43,501	-0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✓ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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
HELLEN GELBAND	CHAIR	5.00	Officer Director	$0	$0	$0
GEORGE TYLER	TREASURER	2.00	Officer Director	$0	$0	$0
MYRA GELBAND	SECRETARY	2.00	Officer Director	$0	$0	$0
JUDITH WAGNER	DIRECTOR	1.00	Director	$0	$0	$0
TEMITAYO OYEGBILE-CHIDI	DIRECTOR	1.00	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	No data	No data	No data	No data
2023	$163,822	$183,940	$15,910	$-20,118
2022	$52,457	$95,958	$36,028	$-43,501
2021	$79,529	No data	$79,529	No data