55 KIP CENTER-RUTHERFORD SENIOR CENTER (EIN 222674152) - 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

1985

Legal Domicile

Principal Officer

CATHY BAVIELLO

Phone

2014601600

Tax Period

2024-01-01 to 2024-12-31

55 KIP CENTER-RUTHERFORD SENIOR CENTER, founded in 1985, is a small nonprofit in the Human Services sector that reported $410K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $546K exceeded revenue, resulting in a 33% 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.

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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 $187,254

Program Service Revenue $169,585

Investment Income $7,858

Other Revenue $45,160

TOTAL REVENUE $409,857

Expense Breakdown

Grants Paid $0

Salaries & Benefits $238,337

Fundraising Expenses $63,981

Program Expenses $396,008

Other Expenses $307,517

TOTAL EXPENSES $545,854

Year-over-Year Comparison

	2024	2023	Change
Revenue	$409,857	$375,925	+0.1%
Expenses	$545,854	$469,178	+0.2%
Net Income	$-135,997	$-93,253	+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

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	Director	$0	$0	$0
GLENN D ELLIOT	TREASURER	2.00	Director	$0	$0	$0
KRISTIN FELICIANO	TRUSTEE	1.00	Director	$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	SECRETARY	1.00	Director	$0	$0	$0
LARRY FORTE	TRUSTEE	1.00	Director	$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
ANDY JONES	TRUSTEE	1.00	Director	$0	$0	$0
ANN MARIE BANOUT	TRUSTEE	1.00	Director	$0	$0	$0
TED GARBE	TRUSTEE	1.00	Director	$0	$0	$0
PRISCILLA HIPKINS	TRUSTEE	1.00	Director	$0	$0	$0
SUE MCLEAN	TRUSTEE	N/A	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
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