CYBER-SENIORS (EIN 320639861) - 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

2020

Legal Domicile

Principal Officer

Brenda Rusnak

Phone

8442173057

Tax Period

2024-01-01 to 2024-12-31

CYBER-SENIORS, founded in 2020, is a small nonprofit in the Education sector that reported $878K in total revenue in fiscal year 2024. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $363K, a strong 41% operating margin.

Mission

Tech-training for seniors using high school and college students who educate, mentor and encourage seniors in the use of technology.

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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 $691,128

Program Service Revenue $186,800

Investment Income $0

Other Revenue $0

TOTAL REVENUE $877,928

Expense Breakdown

Grants Paid $0

Salaries & Benefits $26,003

Fundraising Expenses $4,359

Program Expenses $393,649

Other Expenses $488,678

TOTAL EXPENSES $514,681

Year-over-Year Comparison

	2024	2023	Change
Revenue	$877,928	$626,717	+0.4%
Expenses	$514,681	$619,193	-0.2%
Net Income	$363,247	$7,524	+47.3%

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

160

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
Brenda Rusnak	CEO, Managing Director	1	Officer Director	$0	$0	$0
Christine Calderon Caruso	Director	1	Director	$0	$0	$0
Laura DeBruce	Secretary	1	Officer Director	$0	$0	$0
Heidi Kotzian	CFO	1	Officer Director	$0	$0	$0
Skye Leedahl	Director	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
2024	$877,928	$514,681	$470,216	$363,247
2023	$626,717	$619,193	$119,073	$7,524
2022	$692,501	$613,597	$101,678	$78,904

CYBER-SENIORS