PLAN OF ACTION FOR CHALLENGING TIM… - Form 990 Financial Data

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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

1963

Legal Domicile

Phone

7075569357

Tax Period

2024-09-01 to 2025-08-31

PLAN OF ACTION FOR CHALLENGING TIMES INC, founded in 1963, is a small nonprofit that reported $976K in total revenue in fiscal year 2024.

Mission

Tutors and advisors help students prepare for college and life after high school

Program Service Accomplishments

Program 1

Expenses: $925,040

The mission vision and values of PACT convey the reasons we exist as an organization what we aspire to as an organization and the way we want to work to get there

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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 $944,814

Program Service Revenue $0

Investment Income $2

Other Revenue $31,545

TOTAL REVENUE $976,361

Expense Breakdown

Grants Paid $0

Salaries & Benefits $677,093

Fundraising Expenses $0

Program Expenses $925,040

Other Expenses $311,795

TOTAL EXPENSES $988,888

Year-over-Year Comparison

	2024	2023	Change
Revenue	$976,361	$1,013,981	0.0%
Expenses	$988,888	$978,468	+0.0%
Net Income	$-12,527	$35,513	-1.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Everett Brandon	Co Founder and Chair	5	Director	$0	$0	$0
Linda Barton White	Secretary	1.20	Director	$0	$0	$0
Martin White	Treasurer	1.20	Director	$0	$0	$0
Johnathan Logan	Member	1.20	Director	$0	$0	$0
Kimberly Brandon	Member	1.20	Director	$0	$0	$0
Christine White	Member	1.20	Director	$0	$0	$0
Tyra Fennell	Member	1.20	Director	$0	$0	$0
Timothy Simon	Member	1.20	Director	$0	$0	$0
Sharon Arvie	Deputy Project Director	40	Highest	$121,984	$0	$121,984
Annette Dennett	Project Director	40	Highest	$128,484	$0	$128,484

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	$976,361	$988,888	$283,186	$-12,527
2024	$1,013,981	$978,468	$333,763	$35,513
2023	$848,187	$776,160	$225,650	$72,027
2022	$558,886	$634,061	$128,095	$-75,175
2021	$726,750	$746,740	$219,143	$-19,990
2020	$523,208	$532,944	$171,806	$-9,736

PLAN OF ACTION FOR CHALLENGING TIMES INC