MINERVA AREA COMMISSION ON AGING (EIN 341379541) - 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

1982

Legal Domicile

Principal Officer

PATTI WILLOUGHBY

Tax Period

2024-10-01 to 2025-09-30

MINERVA AREA COMMISSION ON AGING, founded in 1982, is a small nonprofit in the Human Services sector that reported $230K in total revenue in fiscal year 2024. Expenses of $201K left a modest 12% surplus.

Mission

TO SERVE THE ELDERLY.

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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 $39,933

Program Service Revenue $184,608

Investment Income $1,663

Other Revenue $3,642

TOTAL REVENUE $229,846

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,092

Fundraising Expenses $0

Program Expenses $201,411

Other Expenses $114,319

TOTAL EXPENSES $201,411

Year-over-Year Comparison

	2024	2023	Change
Revenue	$229,846	$217,643	+0.1%
Expenses	$201,411	$190,428	+0.1%
Net Income	$28,435	$27,215	+0.0%

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

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
NANCY TARBET	PRESIDENT	N/A	Officer	$0	$0	$0
MARY KAY SNYDER	VICE PRESIDE	N/A	Officer	$0	$0	$0
PAT MILLER	SECRETARY	N/A	Officer	$0	$0	$0
PATTI WILLOUGHBY	TREASURER	N/A	Officer	$0	$0	$0
ROBERT KOHL	DIRECTOR	N/A	Director	$0	$0	$0
ROBERT PALMER	DIRECTOR	N/A	Director	$0	$0	$0
CYNDY LAWSON	DIRECTOR	N/A	Director	$0	$0	$0
NORMA MARKO	DIRECTOR	N/A	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	$229,846	$201,411	$148,023	$28,435
2024	$217,643	$190,428	$119,268	$27,215
2023	$200,648	$167,217	$91,930	$33,431
2022	$150,549	$150,665	$58,338	$-116
2021	$157,373	$150,296	$59,001	$7,077
2020	$85,982	$90,595	$34,392	$-4,613
2019	$165,819	$150,390	$29,108	$15,429
2018	$128,730	$125,202	$13,718	$3,528

MINERVA AREA COMMISSION ON AGING