CENTRAL VERMONT COUNCIL ON AGING INC (EIN 030276104) - 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

1980

Legal Domicile

Principal Officer

JOHN MANDEVILLE

Phone

8024790531

Tax Period

2023-10-01 to 2024-09-30

CENTRAL VERMONT COUNCIL ON AGING INC, founded in 1980, is a community nonprofit in the Human Services sector that reported $4.7M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion.

Mission

CVCOA SUPPORTS OLDER VERMONTERS IN LEADING HEALTHY, INDEPENDENT, MEANINGFUL AND DIGNIFIED LIVES IN THEIR HOMES AND COMMUNITIES.

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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 $4,092,430

Program Service Revenue $489,534

Investment Income $73,300

Other Revenue $92,104

TOTAL REVENUE $4,747,368

Expense Breakdown

Grants Paid $1,027,528

Salaries & Benefits $2,474,160

Fundraising Expenses $73,192

Program Expenses $3,768,489

Other Expenses $1,290,404

TOTAL EXPENSES $4,792,092

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,747,368	$4,218,132	+0.1%
Expenses	$4,792,092	$4,142,335	+0.2%
Net Income	$-44,724	$75,797	-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

500

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

$121,178

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN MANDEVILLE	Executive Direc	40.00	Officer	$109,387	$11,791	$121,178
THERESA OJALA	Vice President	1.00	Officer Director	$0	$0	$0
DAN HAYES	Treasurer	1.00	Officer Director	$0	$0	$0
SUSAN ZUCKER	Secretary	1.00	Officer Director	$0	$0	$0
ARTHUR SMITH	Director	1.00	Director	$0	$0	$0
DENISE RICKER	Director	1.00	Director	$0	$0	$0
REBECCA GILL	Director	1.00	Director	$0	$0	$0
ROBERT PENNEY	Director	1.00	Director	$0	$0	$0
PAULA OTENTI	President	1.00	Director	$0	$0	$0
CAROL LYN ROSE	Director	1.00	Director	$0	$0	$0
DEBBIE BARD	Director	1.00	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	$4,747,368	$4,792,092	$2,464,753	$-44,724
2023	$4,218,132	$4,142,335	$2,345,542	$75,797
2022	$4,477,473	$4,220,494	$2,022,816	$256,979
2021	$4,679,378	$4,547,641	$2,267,462	$131,737
2020	$4,582,756	$4,469,818	$2,194,044	$112,938
2019	$3,898,165	$3,703,614	$1,516,162	$194,551
2018	$3,692,887	$3,579,159	$1,313,931	$113,728

CENTRAL VERMONT COUNCIL ON AGING INC