Oxbow Senior Independence Program

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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

1987

Legal Domicile

Principal Officer

M Robin Barone

Phone

8028665458

Tax Period

2025-01-01 to 2025-12-31

Oxbow Senior Independence Program, founded in 1987, is a small nonprofit in the Human Services sector that reported $503K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $472K left a modest 6% surplus.

Mission

We own and operate three housing projects for the low income elderly and disabled, two of which are federally subsidized.

Program Service Accomplishments

Program 1

Expenses: $147,017 Revenue: $200,321

15 unit low income housing project for the elderly known as Spear House Apartments.

Program 2

Expenses: $170,780 Revenue: $188,567

15 unit low income housing project for the elderly known as Montebello Hill Apartments.

Program 3

Expenses: $71,096 Revenue: $25,429

3 unit property located in Wells River, VT known as Spear House.

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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 (2025)

Revenue Breakdown

Contributions & Grants $88,003

Program Service Revenue $414,317

Investment Income $1,070

Other Revenue $0

TOTAL REVENUE $503,390

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $388,893

Other Expenses $472,034

TOTAL EXPENSES $472,034

Year-over-Year Comparison

	2025	2024	Change
Revenue	$503,390	$453,515	+0.1%
Expenses	$472,034	$432,129	+0.1%
Net Income	$31,356	$21,386	+0.5%

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

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
M Robin Barone	President	25.00	Officer Director	$0	$0	$0
Christine Rogers	Vice President	4.00	Officer Director	$0	$0	$0
Priscilla Connolly	Secretary	4.00	Officer Director	$0	$0	$0
Susan Goodell	Treasurer	4.00	Officer Director	$0	$0	$0
Erik Becker	Director	2.00	Director	$0	$0	$0
Penelope Carrier	Director	2.00	Director	$0	$0	$0
Angela Cleveland	Director	2.00	Director	$0	$0	$0
Frances Day	Director	2.00	Director	$0	$0	$0
Ann Dow	Director	2.00	Director	$0	$0	$0
Randy Foster	Director	2.00	Director	$0	$0	$0
Bridget Freudenberger	Director	2.00	Director	$0	$0	$0
Stephen Gorman	Director	2.00	Director	$0	$0	$0
Susan Retz	Director	2.00	Director	$0	$0	$0
Wayne Richardson	Director	2.00	Director	$0	$0	$0
Nina Tumosa	Director	2.00	Director	$0	$0	$0
Jonathon Verge	Director	2.00	Director	$0	$0	$0
Janeen Wernecke	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
2025	$503,390	$472,034	$839,082	$31,356
2024	$453,515	$432,129	$850,364	$21,386
2023	$404,423	$463,400	$884,685	$-58,977
2022	$439,737	$410,675	$968,902	$29,062
2021	$387,748	$437,953	$977,844	$-50,205
2020	$513,622	$530,594	$1,101,605	$-16,972
2019	$576,836	$609,061	$1,074,667	$-32,225
2018	$595,878	$617,992	$1,123,746	$-22,114