Southwestern Vermont Council on Aging Inc (EIN 030273983) - 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

1977

Legal Domicile

Principal Officer

Rosemary Greene

Phone

8027865590

Tax Period

2023-10-01 to 2024-09-30

Southwestern Vermont Council on Aging Inc, founded in 1977, is a community nonprofit in the Human Services sector that reported $5.2M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum.

Mission

The Southwestern Vermont Council on Aging exists to be a community force in creating and sustaining opportunities for elders and caregivers in our region to help assure that elders are able to maintain maximum independence and quality of life.

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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 $4,991,418

Program Service Revenue $89,871

Investment Income $59,907

Other Revenue $18,197

TOTAL REVENUE $5,159,393

Expense Breakdown

Grants Paid $441,437

Salaries & Benefits $2,440,171

Fundraising Expenses $0

Program Expenses $4,617,663

Other Expenses $2,184,592

TOTAL EXPENSES $5,066,200

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,159,393	$4,206,297	+0.2%
Expenses	$5,066,200	$4,151,944	+0.2%
Net Income	$93,193	$54,353	+0.7%

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

$74,536

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rosemary Greene	EX. Director	40.00	Officer	$74,536	$0	$74,536
George Davis	Emeritus	2.00	Director	$0	$0	$0
Tom Adams	Director	2.00	Director	$0	$0	$0
Ron Bower	Treasurer	2.00	Officer Director	$0	$0	$0
Howard Cohen	President	2.00	Officer Director	$0	$0	$0
Michele Pagen	Secretary	2.00	Officer Director	$0	$0	$0
Peter Lawrence	Director	2.00	Director	$0	$0	$0
Alison Hill	Alternate Secretary	2.00	Officer Director	$0	$0	$0
Lin Lavallee	Director	2.00	Director	$0	$0	$0
Ron Hachey	Vice President	2.00	Officer Director	$0	$0	$0
Douglass Ball	Director	2.00	Director	$0	$0	$0
Richard Greenspan	Director	2.00	Director	$0	$0	$0
Roy Lauridsen	Director	2.00	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	$5,159,393	$5,066,200	$3,925,941	$93,193
2023	$4,206,297	$4,151,944	$3,592,690	$54,353
2022	$4,260,411	$4,214,997	$3,007,455	$45,414
2021	$4,084,443	$4,024,116	$2,674,669	$60,327
2020	$3,985,353	$3,930,905	$2,398,772	$54,448

Southwestern Vermont Council on Aging Inc