SOCIETY OF ACTIVE RETIREES (EIN 320319717) - 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

2011

Legal Domicile

Phone

2486260296

Tax Period

2024-07-01 to 2025-06-30

SOCIETY OF ACTIVE RETIREES, founded in 2011, is a small nonprofit in the Human Services sector that reported $178K in total revenue in fiscal year 2024. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $170K left a modest 4% surplus.

Mission

Classes and Events 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 (2024)

Revenue Breakdown

Contributions & Grants $28,059

Program Service Revenue $141,799

Investment Income $4,236

Other Revenue $3,610

TOTAL REVENUE $177,704

Expense Breakdown

Grants Paid $0

Salaries & Benefits $103,609

Fundraising Expenses $0

Program Expenses $31,235

Other Expenses $66,251

TOTAL EXPENSES $169,860

Year-over-Year Comparison

	2024	2023	Change
Revenue	$177,704	$238,702	-0.3%
Expenses	$169,860	$149,570	+0.1%
Net Income	$7,844	$89,132	-0.9%

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

N/A

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

$19,445

Total Directors

Key Employees

$96,141

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Debra Yamstein	Executive Director	35	Key Emp Highest	$76,696	$0	$76,696
Constance Bush	Program Assistant	20	Officer Key Emp	$19,445	$0	$19,445
Rose Marie Battey	Emeritus, Chair of Field Trips and Director	2	Director	$0	$0	$0
Elaine Yaker	Chair of Special Events and Director	2	Director	$0	$0	$0
Randy Bruce	Director	1	Director	$0	$0	$0
Jon Buyle	Director	1	Director	$0	$0	$0
Mina Feldman	Director	1	Director	$0	$0	$0
Diane Henderson	Director	1	Director	$0	$0	$0
Martin Herman	Board Member, Emeritus	1	Director	$0	$0	$0
Joe Kwapisz	Chair and Director	15	Officer Director	$0	$0	$0
Mel Chudoff	Vice Chair and Director	7	Officer Director	$0	$0	$0
Gerald Breuer	Treasurer and Director	5	Officer Director	$0	$0	$0
Wilma Feldman	Secretary and Director	2	Officer Director	$0	$0	$0
Dan Harmon	Director	1	Director	$0	$0	$0
Susan Greenfield	Director	1.00	Director	$0	$0	$0
Sharon O'Brien	Board Member	1	Director	$0	$0	$0
Ralph Stromberg	Board Member	1	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	$177,704	$169,860	$166,174	$7,844
2024	$238,702	$149,570	$158,330	$89,132

SOCIETY OF ACTIVE RETIREES