55 KIP CENTER-RUTHERFORD SENIOR CE… - Form 990 Financial Data

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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

1985

Legal Domicile

Principal Officer

CATHY BAVIELLO

Phone

2014601600

Tax Period

2025-01-01 to 2025-12-31

55 KIP CENTER-RUTHERFORD SENIOR CENTER, founded in 1985, is a small nonprofit in the Human Services sector that reported $468K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $544K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO PROMOTE THE PHYSICAL, EMOTIONAL, EDUCATIONAL, SPIRITUAL WELL BEING OF OLDER ADULTS AND TO FACILITATE THEIR PARTICIPATION IN ALL ASPECTS OF COMMUNITY LIFE.

Program Service Accomplishments

Program 1

Expenses: $92,748 Revenue: $70,500

BRIDGE BUILDERS PROGRAM PROVIDES SERVICES AND ACTIVITIES TO SENIORS TO SUPPORT THEIR INDEPENDENCE, ENHANCE THEIR DIGNITY AND ENCOURAGE INVOLVEMENT IN THE CENTER AND THE COMMUNITY

Program 2

Expenses: $180,293 Revenue: $63,065

0 OPPORTUNITIES. COURSES ARE OFFERED IN A WIDE AREA OF INTERESTS INCLUDING COMPUTERS, DRAWING, WRITING AND CURRENT EVENTS

Program 3

Expenses: $121,738 Revenue: $31,058

NUTRITION PROGRAM PROVIDES A DAILY LIGHT BREAKFAST, HOT LUNCHES AND HOME DELIVERED MEALS

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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 $238,935

Program Service Revenue $179,055

Investment Income $6,353

Other Revenue $44,105

TOTAL REVENUE $468,448

Expense Breakdown

Grants Paid $0

Salaries & Benefits $235,775

Fundraising Expenses $67,769

Program Expenses $394,779

Other Expenses $308,653

TOTAL EXPENSES $544,428

Year-over-Year Comparison

	2025	2024	Change
Revenue	$468,448	$409,857	+0.1%
Expenses	$544,428	$545,854	0.0%
Net Income	$-75,980	$-135,997	-0.4%

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

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

$90,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARLA MAZZA	VICE PRESIDENT	2.00	Officer	$0	$0	$0
MARIA TERESA GUTIERREZ	TRUSTEE	1.00	Director	$0	$0	$0
MARY UPHAM	TRUSTEE	1.00	Director	$0	$0	$0
DR JOSEPH MAZZA	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL RIZZO	TREASURER	1.00	Officer	$0	$0	$0
ANGELO MANIA	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL ONORATO	TRUSTEE	1.00	Director	$0	$0	$0
CATHERINE BAVIELLO	EXECUTIVE DIRECTOR	40.00	Key Emp	$90,000	$0	$90,000
PRISCILLA HIPKINS	TRUSTEE	1.00	Director	$0	$0	$0
SUE MCLEAN	TRUSTEE	N/A	Director	$0	$0	$0
THERODORE GARBE	SECRETARY	1.00	Key Emp	$0	$0	$0
DEBRA MANIA	PRESIDENT	1.00	Key Emp	$0	$0	$0
DEBRA ROVITO	TRUSTEE	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	$468,448	$544,428	$433,528	$-75,980
2024	$409,857	$545,854	$507,104	$-135,997
2023	$375,925	$469,178	$646,848	$-93,253
2022	$633,528	$439,930	$738,550	$193,598
2021	$427,744	$374,486	$540,713	$53,258
2020	$427,726	$275,590	$482,920	$152,136
2019	$400,822	$412,049	$337,630	$-11,227
2018	$394,206	$381,312	$351,458	$12,894

55 KIP CENTER-RUTHERFORD SENIOR CENTER