COURAGEOUS AND FREE INC (EIN 883254390) - Form 990 Financial Analysis & Trantor Score

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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

Principal Officer

CAROLYN PANKALLA

Phone

4074958500

Tax Period

2023-01-01 to 2023-12-31

COURAGEOUS AND FREE INC, founded in 2022, is a small nonprofit in the Human Services sector that reported $218K in total revenue in fiscal year 2023. The organization ran a surplus of $93K, a strong 43% operating margin.

Mission

SUPPORT TO WOMEN THAT ARE SURVIVORS OF HUMAN TRAFFICKING BY WAYS OF PRAYER MEETINGS, BIBLE STUDIES, WOMEN'S CONFERENCES, WORSHIP SERVICES AND HOUSING.

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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 $140,581

Program Service Revenue $77,298

Investment Income $0

Other Revenue $0

TOTAL REVENUE $217,879

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $100,279

Other Expenses $125,150

TOTAL EXPENSES $125,150

Year-over-Year Comparison

	2023	2022	Change
Revenue	$217,879	N/A	N/A
Expenses	$125,150	N/A	N/A
Net Income	$92,729	N/A	N/A

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

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
CAROLYN PANKALLA	PRESIDENT	40.00	Officer	$0	$0	$0
SEAN PANKALLA	VICE PRESIDE	N/A	Officer	$0	$0	$0
MICHELE DIGLIO-BENKIRAN	DIRECTOR	N/A	Director	$0	$0	$0
PRESTON PANKALLA	DIRECTOR	N/A	Director	$0	$0	$0
KATHY CARRILLO	DIRECTOR	N/A	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	$217,879	$125,150	$108,691	$92,729

COURAGEOUS AND FREE INC