TERRAFINA INTERNATIONAL

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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

2022

Legal Domicile

Phone

7179260876

Tax Period

2025-01-01 to 2025-12-31

TERRAFINA INTERNATIONAL, founded in 2022, is a community nonprofit in the Human Services sector that reported $1.5M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

TI IS A NONPROFIT ANABAPTIST ORGANIZATION DEDICATED TO REACHING ACROSS BORDERS IN ORDER TO LEND A HELPING HAND TO DISADVANTAGED INDIVIDUALS WHO ARE SEEKING TO BUILD A MORE ABUNDANT AND EDIFYING LIFE FOR THEMSELVES BASED UPON CONSERVATIVE ANABAPTIST PRINCIPLES. (CONTINUED)

Program Service Accomplishments

Program 1

Expenses: $1,455,435 Revenue: $6,240

SALT PROGRAM AND RELATED ACTIVITIES - TI OPERATES A MICRO-FINANCE TYPE PROGAM WHICH INCLUDES AGRICULTURAL RESEARCH AND TRAINING. TI CONCENTRATES ON TEACHING WISE PRACTICES IN HANDLING FINANCIAL...

SALT PROGRAM AND RELATED ACTIVITIES - TI OPERATES A MICRO-FINANCE TYPE PROGAM WHICH INCLUDES AGRICULTURAL RESEARCH AND TRAINING. TI CONCENTRATES ON TEACHING WISE PRACTICES IN HANDLING FINANCIAL RESOURCES THROUGH THE USE OF NUMEROUS SAVINGS GROUPS. GOOD AGRICULTURAL METHODOLOGIES ARE RESEARCHED, DEVELOPED, AND TAUGHT IN LOCAL COMMUNITIES WHERE TI OPERATES. THE GOAL OF THESE PROGRAM ACTIVITIES IS TO HELP NATIONALS IMPROVE THE FINANCIAL WELL-BEING OF THEIR FAMILIES AND COMMUNITIES AND TO TEACH THOSE THAT PARTICIPATE IN THE PROGRAM BIBLICAL PRINCIPLES FOR LIFE APPLICATION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $1,523,393

Program Service Revenue $6,240

Investment Income $86

Other Revenue $-3,474

TOTAL REVENUE $1,526,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $865,658

Fundraising Expenses $7,205

Program Expenses $1,455,435

Other Expenses $616,795

TOTAL EXPENSES $1,482,453

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,526,245	$1,398,418	+0.1%
Expenses	$1,482,453	$1,468,725	+0.0%
Net Income	$43,792	$-70,307	-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

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

$226,083

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW BURKHOLDER	DIRECTOR OF FINANCE	40.00	Officer	$75,750	$0	$75,750
MICHAEL MARTIN	DIRECTOR OF AG PROGRAMS	40.00	Officer	$75,333	$0	$75,333
LANUS DUECK	CEO	40.00	Officer	$75,000	$0	$75,000
GERALD REIMER	AUDIT AND COMPLIANCE	0.00	Director	$0	$0	$0
CLINTON BOWER	CHAIRMAN	20.00	Officer Director	$0	$0	$0
STEPHEN RAPP	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
DWAYNE BOWMAN	FINANCE	0.00	Director	$0	$0	$0
CLIFFORD FOX	AT LARGE	0.00	Director	$0	$0	$0
ROGER MILLER	AT LARGE	0.00	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
2025	$1,526,245	$1,482,453	$537,220	$43,792
2024	$1,398,418	$1,468,725	$498,505	$-70,307
2023	$1,485,420	$1,247,470	$537,210	$237,950
2022	$982,351	$703,615	$297,002	$278,736