BELLOWS FALLS SENIOR CENTER INC (EIN 030307048) - 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

1986

Principal Officer

SUE HOLLAND

Phone

8024634721

Tax Period

2024-10-01 to 2025-09-30

BELLOWS FALLS SENIOR CENTER INC, founded in 1986, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $142K in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. Net assets of $559K represent 47 months of operating reserves.

Mission

TO SUPPLY MEALS & ACTIVITIES TO AREA SENIOR CITIZENS

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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 $105,017

Program Service Revenue $36,657

Investment Income $150

Other Revenue $0

TOTAL REVENUE $141,824

Expense Breakdown

Grants Paid $0

Salaries & Benefits $91,213

Fundraising Expenses $1,350

Program Expenses $117,184

Other Expenses $58,230

TOTAL EXPENSES $150,616

Year-over-Year Comparison

	2024	2023	Change
Revenue	$141,824	$104,596	+0.4%
Expenses	$150,616	$145,067	+0.0%
Net Income	$-8,792	$-40,471	-0.8%

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
SUE HOLLAND	PRESIDENT	2.00	Officer Director	$0	$0	$0
BERDINA EZEQUELLE	SECRETARY	2.00	Officer Director	$0	$0	$0
JANE WESTFALL	DIRECTOR	2.00	Director	$0	$0	$0
LORRAINE YATES	DIRECTOR	2.00	Director	$0	$0	$0
DAVID E LAMBERT	TREASURER	2.00	Officer 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
2025	$141,824	$150,616	$563,450	$-8,792
2024	$104,596	$145,067	$565,679	$-40,471
2023	$192,589	$184,320	$575,983	$8,269
2022	$298,614	$287,671	$572,472	$10,943
2021	$307,301	$266,863	$604,193	$40,438
2020	$238,630	$244,305	$528,850	$-5,675
2019	$200,030	$226,785	$515,653	$-26,755

BELLOWS FALLS SENIOR CENTER INC