AREA V AGENCY ON AGING (EIN 237397966) - 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

1974

Legal Domicile

Principal Officer

JOE GILBOY

Phone

4067825555

Tax Period

2024-07-01 to 2025-06-30

AREA V AGENCY ON AGING, founded in 1974, is a community nonprofit in the Human Services sector that reported $2.3M in total revenue in fiscal year 2024. Revenue surged 38% from the prior year, signaling strong growth momentum. Expenses of $2.5M exceeded revenue, resulting in a 10% operating deficit.

Mission

THE MISSION OF THE AREA V AGENCY ON AGING IS TO PLAN, COORDINATE AND IMPLEMENT PROGRAMS OUTLINED UNDER THE OLDER AMERICANS ACT OF 1965 AS AMENDED AND THE MONTANA OLDER AMERICANS ACT OF 1972 AS AMENDED, WITHIN A SIX COUNTY SERVICE AREA IN SOUTHWEST MONTANA. AS AN ADULT AND DISABILITY RESOURCE CENTER THE AGENCY STRIVES TO BE THE FOCUL POINT FOR ALL SENIORS ANS ADULTS WITH A DISABILITY TO BE ABLE TO ACCESS AVAILABLE SERVICES IN THE AREA THROUGH DIRECT SUPPORT, REFERRALS AND APPLICATION ASSISTANCE.

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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 $1,468,655

Program Service Revenue $794,249

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,262,904

Expense Breakdown

Grants Paid $0

Salaries & Benefits $304,308

Fundraising Expenses $0

Program Expenses $2,493,445

Other Expenses $2,193,471

TOTAL EXPENSES $2,497,779

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,262,904	$1,640,436	+0.4%
Expenses	$2,497,779	$1,863,222	+0.3%
Net Income	$-234,875	$-222,786	+0.1%

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

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

$62,340

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE GILLBOY	EXECUTIVE DIRECTOR	40.00	Director	$62,340	$0	$62,340
DAN SAGER	CHAIR	0.00	Officer	$0	$0	$0
RON NYE	VICE CHAIR	0.00	Officer	$0	$0	$0
RENEE MCLURE	BOARD MEMBER	0.00	Officer	$0	$0	$0
DEBBIE PIERCE	BOARD MEMBER	0.00	Officer	$0	$0	$0
JIM CARPITA	BOARD MEMBER	0.00	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
2025	$2,262,904	$2,497,779	$512,219	$-234,875
2024	No data	No data	No data	No data
2023	$1,542,485	$2,139,785	$261,361	$-597,300
2022	$1,670,146	$1,946,472	$490,204	$-276,326

AREA V AGENCY ON AGING