CENTER FOR LIVING & WORKING INC (EIN 042564426) - 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

1975

Legal Domicile

Principal Officer

MARGARET B COFFIN

Phone

5087980350

Tax Period

2023-07-01 to 2024-06-30

CENTER FOR LIVING & WORKING INC, founded in 1975, is a community nonprofit in the Human Services sector that reported $4.9M in total revenue in fiscal year 2023.

Mission

TO PROVIDE A BROAD RANGE OF INDEPENDENT LIVING SERVICES TO PEOPLE WITH DISABILITIES.

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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 $2,215,608

Program Service Revenue $2,579,326

Investment Income $68,630

Other Revenue $7,200

TOTAL REVENUE $4,870,764

Expense Breakdown

Grants Paid $115,345

Salaries & Benefits $3,760,632

Fundraising Expenses $0

Program Expenses $4,033,669

Other Expenses $887,832

TOTAL EXPENSES $4,763,809

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,870,764	$4,780,014	+0.0%
Expenses	$4,763,809	$4,752,789	+0.0%
Net Income	$106,955	$27,225	+2.9%

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

$436,933

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA COFFIN	ASSOCIATE ED - FINANCE & A	40.00	Officer	$157,755	$9,698	$167,453
MARGARET COFFIN	CEO	40.00	Officer	$146,390	$16,358	$162,748
NICOLE BRODIE	ASSOCIATE ED - PROGRAMS &	40.00	Officer	$98,611	$8,121	$106,732
NANCY GARR-COLZIE	PRESIDENT	2.00	Officer Director	$0	$0	$0
JOHN MANNILA	TREASURER	1.00	Officer Director	$0	$0	$0
TINA BUSSONE	FORMER TREASURER/CURRENT BOARD MEMBER	2.00	Officer Director	$0	$0	$0
CINDY L PURCELL	CLERK	2.00	Officer Director	$0	$0	$0
BOB BUREAU	BOARD MEMBER	1.00	Director	$0	$0	$0
RACHEL BROWN	BOARD MEMBER	1.00	Director	$0	$0	$0
WILLIAM STARR	BOARD MEMBER	1.00	Director	$0	$0	$0
TYRONE HICKS	BOARD MEMBER	1.00	Director	$0	$0	$0
MARCELINO GUERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES KRUIDENIER	BOARD MEMBER	1.00	Director	$0	$0	$0
JORGE SIERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN TOTH	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT BILOTTA	BOARD MEMBER	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
2025	No data	No data	No data	No data
2024	$4,870,764	$4,763,809	$4,818,060	$106,955
2023	$4,780,014	$4,752,789	$4,892,506	$27,225
2022	$4,638,677	$4,432,656	$3,092,871	$206,021
2021	$4,210,878	$3,891,749	$2,902,512	$319,129
2020	$3,894,701	$3,708,660	$2,712,160	$186,041
2019	$3,713,627	$3,475,336	$2,550,065	$238,291

CENTER FOR LIVING & WORKING INC