CEPAD USA INC (EIN 931088705) - 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

1992

Legal Domicile

Principal Officer

JOHN MCFADDEN

Phone

4234170100

Tax Period

2024-01-01 to 2024-12-31

CEPAD USA INC, founded in 1992, is a small nonprofit in the International Affairs sector that reported $163K in total revenue in fiscal year 2024. Revenue fell 39% from the prior year — a significant decline worth monitoring. Net assets of $460K represent 34 months of operating reserves.

Mission

SUPPORT THE EFFORTS OF LOCAL COMMUNITY MEMBERS THROUGHOUT NICARAGUA TO BETTER THEIR MATERIAL, SOCIAL, AND SPIRITUAL RESOURCES IN ORDER TO LIVE MORE ABUNDANT LIVES.

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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 $152,687

Program Service Revenue $0

Investment Income $10,165

Other Revenue $0

TOTAL REVENUE $162,852

Expense Breakdown

Grants Paid $132,222

Salaries & Benefits $0

Fundraising Expenses $665

Program Expenses $148,392

Other Expenses $39,824

TOTAL EXPENSES $172,046

Year-over-Year Comparison

	2024	2023	Change
Revenue	$162,852	$265,048	-0.4%
Expenses	$172,046	$196,216	-0.1%
Net Income	$-9,194	$68,832	-1.1%

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
PEGGY BECKER	BOARD MEMBER	1.00	Officer	$0	$0	$0
JOSEPHINE P BUESCHER	BOARD MEMBER	1.00	Officer	$0	$0	$0
PENN GARVIN	VICE PRESIDENT	1.00	Officer	$0	$0	$0
JOHN ED MCFADDEN	TREASURER	4.00	Officer	$0	$0	$0
DOUG ORBAKER	SECRETARY	1.00	Officer	$0	$0	$0
DEBBIE BREEDING	BOARD MEMBER	1.00	Officer	$0	$0	$0
HARRIET HALL	PRESIDENT	1.00	Officer	$0	$0	$0
JIM WOOD	BOARD MEMBER	1.00	Officer	$0	$0	$0
TOM ELANDER	BOARD MEMBER	1.00	Officer	$0	$0	$0
ROB MASSONNEAU	BOARD MEMBER	1.00	Officer	$0	$0	$0
HELEN BROWN	BOARD MEMBER	1.00	Officer	$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	$162,852	$172,046	$618,523	$-9,194
2023	$265,048	$196,216	$469,277	$68,832
2022	$292,025	$335,028	$400,445	$-43,003
2021	$331,838	$301,745	$443,448	$30,093
2020	$338,671	$232,752	$413,355	$105,919
2019	$324,440	$194,502	$221,009	$129,938
2018	$267,299	$254,350	$91,071	$12,949

CEPAD USA INC