Cayucos Senior Citizens Club

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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

1976

Legal Domicile

Phone

8059953543

Tax Period

2024-09-01 to 2025-08-31

Cayucos Senior Citizens Club, founded in 1976, is a micro nonprofit in the Human Services sector that reported $74K in total revenue in fiscal year 2024. Revenue fell 61% from the prior year — a significant decline worth monitoring. Expenses of $68K left a modest 8% surplus.

Mission

Various social functions and programs for all seniors; ie, arts and crafts, drawings, dinners, bazaars, coffee and book sales, surplus food distributions and bake sales.

Program Service Accomplishments

Program 1

Expenses: $40,921

The Cayucos Senior Citizens Club sponsored, organized, and paid for various social functions and programs for seniors including, but not limited to arts and crafts, drawings, dinners, bazaars, coffee...

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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 $11,226

Program Service Revenue $1,755

Investment Income $23,008

Other Revenue $37,920

TOTAL REVENUE $73,909

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $13,637

Program Expenses $40,921

Other Expenses $68,201

TOTAL EXPENSES $68,201

Year-over-Year Comparison

	2024	2023	Change
Revenue	$73,909	$188,073	-0.6%
Expenses	$68,201	$55,110	+0.2%
Net Income	$5,708	$132,963	-1.0%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Betsy Watts	Parliamentarian	6.00	Director	$0	$0	$0
Adrian Hurtado	President	8.00	Officer Director	$0	$0	$0
Janet Arnold	2nd Vice Pres	4.00	Officer Director	$0	$0	$0
Brenda Hansen	Vice President	6.00	Officer Director	$0	$0	$0
Deborah Way	Treasurer	10.00	Officer Director	$0	$0	$0
Pat Moon	Secretary	6.00	Officer 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	$73,909	$68,201	$674,841	$5,708
2024	$188,073	$55,110	$640,230	$132,963
2023	$74,102	$62,163	$507,083	$11,939
2022	$70,352	$53,493	$500,711	$16,859