NOBLE COUNTY COUNCIL ON AGING INC

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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

1977

Legal Domicile

Principal Officer

RHONDA STIENECKER

Phone

2603474226

Tax Period

2025-01-01 to 2025-12-31

NOBLE COUNTY COUNCIL ON AGING INC, founded in 1977, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. Expenses of $964K left a modest 14% surplus.

Mission

TO ENHANCE THE WELLBEING OF OUR SENIOR COMMUNITY BY COMMITTING OUR RESOURCES THROUGH NUMEROUS ACTIVITIES, PROGRAMS AND SERVICES, AS WELL AS PROVIDING SAFE AND RELIABLE PUBLIC TRANSPORTATION FOR ALL OF NOBLE COUNTY

Program Service Accomplishments

Program 1

Expenses: $837,375 Revenue: $172,414

NOBLE TRANSIT SYSTEM (NTS) IS A PUBLIC TRANSPORTATION AGENCY SERVING NOBLE COUNTY. MOST OF THE 20 VEHICLES ARE WHEELCHAIR ACCESSIBLE. NOBLE TRANSIT PROVIDES RESERVATIONS, SCHEDULING, AND OPERATION OF THIS SERVICE. DRIVERS ARE THOROUGHLY TRAINED IN SAFETY AND PASSENGER ASSISTANCE. DURING 2025 NEARLY 18,000 RIDES WERE PROVIDED WITH 211,000 MILES DRIVEN. NOBLE COUNTY COUNCIL ON AGING ALSO OFFERS A VARIETY OF GATHERING AND ACTIVITIES FOR SENIORS.

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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 $922,295

Program Service Revenue $172,414

Investment Income $13,787

Other Revenue $12,707

TOTAL REVENUE $1,121,203

Expense Breakdown

Grants Paid $0

Salaries & Benefits $471,658

Fundraising Expenses $6,085

Program Expenses $837,375

Other Expenses $492,372

TOTAL EXPENSES $964,030

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,121,203	$1,197,608	-0.1%
Expenses	$964,030	$905,276	+0.1%
Net Income	$157,173	$292,332	-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

$69,439

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERISH MISHLEAU	FORMER EXEC	40.00	Officer	$41,746	$0	$41,746
SHARON MONTOYA	FORMER EXEC	40.00	Officer	$27,693	$0	$27,693
THOMAS PFAFFENBERGER	VICE PRESIDE	0.50	Officer Director	$0	$0	$0
STAR FETTER	SECRETARY	0.50	Officer Director	$0	$0	$0
LARRY WOLF	TREASURER	0.50	Officer Director	$0	$0	$0
BROOKE BENTLEY	DIRECTOR	0.50	Director	$0	$0	$0
KARMAN CORNWELL	DIRECTOR	0.50	Director	$0	$0	$0
REGAN FORD	DIRECTOR	0.50	Director	$0	$0	$0
ANGELA FRANKLIN	DIRECTOR	0.50	Director	$0	$0	$0
MAX FRANKLIN	DIRECTOR	0.50	Director	$0	$0	$0
JUDY GROCOCK	DIRECTOR	0.50	Director	$0	$0	$0
ANITA HESS	DIRECTOR	0.50	Director	$0	$0	$0
BILL LEY	DIRECTOR	0.50	Director	$0	$0	$0
BETH MOSLEY	DIRECTOR	0.50	Director	$0	$0	$0
ELLEN PIPPENGER	DIRECTOR	0.50	Director	$0	$0	$0
MONA RUBLE	DIRECTOR	0.50	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	$1,121,203	$964,030	$2,339,663	$157,173
2024	$1,197,608	$905,276	$2,192,762	$292,332
2023	$976,877	$899,606	$1,907,578	$77,271
2022	$907,045	$789,475	$1,828,655	$117,570
2021	$631,795	$771,540	$1,707,995	$-139,745
2020	$851,042	$704,987	$1,973,665	$146,055
2019	$991,793	$883,038	$1,815,748	$108,755
2018	$939,321	$950,090	$1,583,019	$-10,769