CREATIVE LIVING INC (EIN 222774159) - 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

1995

Legal Domicile

Principal Officer

LUCILLE GIANNONE

Phone

9784703165

Tax Period

2018-10-01 to 2019-09-30

CREATIVE LIVING INC, founded in 1995, is a small nonprofit that reported $236K in total revenue in fiscal year 2018. Expenses of $208K left a modest 12% surplus.

Mission

RESIDENTIAL AND SOCIAL SERVICES TO MENTALLY CHALLENGED ADULTS (APPROX 75+- INDIVIDUALS BENEFITED)

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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 (2018)

Revenue Breakdown

Contributions & Grants $68,609

Program Service Revenue $171,692

Investment Income $7,105

Other Revenue $-11,543

TOTAL REVENUE $235,863

Expense Breakdown

Grants Paid $0

Salaries & Benefits $84,974

Fundraising Expenses $0

Program Expenses $160,288

Other Expenses $123,021

TOTAL EXPENSES $207,995

Year-over-Year Comparison

	2018	2017	Change
Revenue	$235,863	$235,552	+0.0%
Expenses	$207,995	$208,460	0.0%
Net Income	$27,868	$27,092	+0.0%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHLEEN LUZ COTE	DIRECTOR	1.00	Director	$0	$0	$0
RAYMOND DIFIORE	DIRECTOR	1.00	Director	$0	$0	$0
MARIA FRECCERO	DIRECTOR	1.00	Director	$0	$0	$0
LUAN GIANNONE	DIRECTOR	1.00	Director	$0	$0	$0
PASTOR JON HEYDENREICH	DIRECTOR	1.00	Director	$0	$0	$0
BETTE KIDWELL	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MILLER	DIRECTOR	1.00	Director	$0	$0	$0
LYNNE QUERZOLI	DIRECTOR	1.00	Director	$0	$0	$0
MARYANN QUINT	DIRECTOR	1.00	Director	$0	$0	$0
LUCILLE GIANNONE	PRESIDENT	4.00	Officer	$0	$0	$0
KIM REIDY	TREASURER	2.00	Officer	$0	$0	$0
LISA PRIMES	SECRETARY	1.00	Officer	$0	$0	$0
JOSIE PAOLINO	VICE PRESIDE	1.00	Officer	$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
2019	$235,863	$207,995	$403,412	$27,868
2018	$235,552	$208,460	$365,399	$27,092

CREATIVE LIVING INC