ESTUARY COUNCIL OF SENIORS INC

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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

1973

Legal Domicile

Principal Officer

STAN MINGIONE

Phone

8603881611

Tax Period

2024-10-01 to 2025-09-30

ESTUARY COUNCIL OF SENIORS INC, founded in 1973, is a community nonprofit in the Human Services sector that reported $2.2M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $394K, a strong 18% operating margin.

Mission

PROVIDING NUTRITION, TRANSPORTATION, HEALTH AND SUPPORT SERVICES, AND SOCIALIZATION THROUGH PROGRAMS, SERVICES, EDUCATION, AND ADVOCACY.

Program Service Accomplishments

Program 1

Expenses: $995,752 Revenue: $437,432

NUTRITION - SERVED MEALS AT CONGREGATE MEAL SITES IN OLD SAYBROOK, KILLINGWORTH, OLD LYME, AND CLINTON. ALSO SERVED MEALS ON WHEELS TO HOMEBOUND RESIDENTS OF NINE TOWNS, CLINTON, CHESTER, DEEP RIVER, ESSEX, KILLINGWORTH, LYME, OLD LYME, OLD SAYBROOK AND WESTBROOK. SERVED APPROXIMATELY 27,000 CONGREGATE MEALS, AND 100,000 MEALS ON WHEELS.

Program 2

Expenses: $145,860 Revenue: $64,076

ASSISTANCE/COUNSELING - VARIOUS OUTREACH SERVICES TO AID THE ELDERLY INCLUDING HEALTH & NUTRITIONAL COUNSELING, HEALTH SCREENS INCLUDING BLOOD PRESSURE, CHOLESTEROL, AND DIABETES. ALSO, SUPPORT...

ASSISTANCE/COUNSELING - VARIOUS OUTREACH SERVICES TO AID THE ELDERLY INCLUDING HEALTH & NUTRITIONAL COUNSELING, HEALTH SCREENS INCLUDING BLOOD PRESSURE, CHOLESTEROL, AND DIABETES. ALSO, SUPPORT GROUPS, TAX ASSISTANCE, AND COMMUNITY INFORMATION GROUPS. OVERALL, 30,000 VISITS FOR ASSISTANCE AND COUNSELING. WE HAVE ALSO STARTED A SOCIAL WORK PROGRAM WITH A FULL TIME SOCIAL WORKER ON STAFF.

Program 3

Expenses: $68,323 Revenue: $30,014

TRANSPORTATION OF ELDERLY AND HANDICAPPED INDIVIDUALS FOR NUTRITION, SHOPPING, AND MEDICAL APPOINTMENTS WITHIN AND OUTSIDE THE NINE TOWN'S ESTUARY REGION. THE ESTUARY PROVIDED 490 OUTPATIENT MEDICAL...

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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 $1,612,689

Program Service Revenue $531,522

Investment Income $16,873

Other Revenue $59,836

TOTAL REVENUE $2,220,920

Expense Breakdown

Grants Paid $0

Salaries & Benefits $888,302

Fundraising Expenses $106,101

Program Expenses $1,209,935

Other Expenses $938,871

TOTAL EXPENSES $1,827,173

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,220,920	$1,943,505	+0.1%
Expenses	$1,827,173	$2,269,222	-0.2%
Net Income	$393,747	$-325,717	-2.2%

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

212

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

$118,447

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH GOLDSTEIN	PRESIDENT	3.00	Officer Director	$0	$0	$0
ROD HORNBAKE	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW O'NEILL	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MARTA COLLINS	SECRETARY	1.00	Officer Director	$0	$0	$0
SARAH BORGNIS-TOBIN	DIRECTOR	1.00	Director	$0	$0	$0
GREGORY CASSELLS	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA MCKINLEY-BELL	TREASURER	1.00	Officer Director	$0	$0	$0
LAURIE PAVLOS	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL WELCH	DIRECTOR	1.00	Director	$0	$0	$0
ALAN SCHWARZ	DIRECTOR	1.00	Director	$0	$0	$0
ADAM RICHWINE	DIRECTOR	1.00	Director	$0	$0	$0
STAN MINGIONE	EXECUTIVE DIRECTOR	40.00	Officer	$118,447	$0	$118,447

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	$2,220,920	$1,827,173	$3,838,123	$393,747
2024	$1,943,505	$2,269,222	$3,428,427	$-325,717
2023	$1,798,990	$1,760,194	$3,757,491	$38,796
2022	$1,510,186	$1,513,050	$3,622,342	$-2,864
2021	$1,259,255	$1,233,743	$3,897,872	$25,512
2020	$1,473,099	$1,244,713	$3,612,412	$228,386
2019	$1,431,765	$1,350,984	$3,499,115	$80,781
2018	$1,308,154	$1,317,179	$3,373,842	$-9,025