SOUTHWESTERN INDIANA REGIONAL COUN… - Form 990 Financial Data

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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

RHONDA ZUBER

Phone

8124647800

Tax Period

2024-07-01 to 2025-06-30

SOUTHWESTERN INDIANA REGIONAL COUNCIL ON AGING INC DBA SWIRCA & MORE, founded in 1974, is a community nonprofit in the Human Services sector that reported $7.7M in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $7.2M left a modest 7% surplus.

Mission

SWIRCA IS A PUBLIC SERVICE ORGANIZATION THAT FOCUSES ITS EFFORTS ON EMPOWERING SENIORS AND PEOPLE WITH DISABILITIES TO REMAIN LIVING SAFELY IN THEIR OWN HOMES BY PROVIDING INFORMATION AND SUPPORTIVE SERVICES.

Program Service Accomplishments

Program 1

Expenses: $4,536,981 Revenue: $926,885

CASE MANAGEMENT-SWIRCA & MORE CARE MANAGERS PROVIDED SOME SORT OF ASSISTANCE TO 2,675 UNDUPLICATED CLIENTS BETWEEN 07/01/2024 THROUGH 06/30/2025. THE TYPES OF ASSISTANCE PROVIDED BY A CARE MANAGER...

CASE MANAGEMENT-SWIRCA & MORE CARE MANAGERS PROVIDED SOME SORT OF ASSISTANCE TO 2,675 UNDUPLICATED CLIENTS BETWEEN 07/01/2024 THROUGH 06/30/2025. THE TYPES OF ASSISTANCE PROVIDED BY A CARE MANAGER MAY INCLUDE ELIGIBILITY DETERMINATIONS FOR NURSING HOME PLACEMENT, ELIGIBILITY DETERMINATIONS FOR HOME AND COMMUNITY BASED SERVICES, GENERAL ADVOCACY, RESOURCE LINKAGE, AND/OR ON-GOING MONITORING OF CLIENTS RECEIVING FUNDING FOR IN-HOME SERVICES THROUGH ANY OF SWIRCA'S FUNDING SOURCES. ON THE LATTER POINT REGARDING INDIVIDUALS WHO RECEIVED IN-HOME SERVICES, OF THE 2,675 INDIVIDUALS WHO RECEIVED ASSISTANCE FROM A CARE MANAGER, 2,675 INDIVIDUALS RECEIVED DIRECT IN-HOME ASSISTANCE FROM AT LEAST ONE OF SWIRCA'S FIVE FUNDING SOURCES (AD WAIVER, CHOICE, SSBG, TITLE III-E, OR TITLE III). THE TYPES OF IN-HOME SERVICES PROVIDED THROUGH THESE PAYERS INCLUDE, BUT ARE NOT LIMITED TO, CASE MANAGEMENT, ATTENDANT CARE, HOMEMAKER ASSISTANCE, ADULT DAY SERVICES, ASSISTED LIVING, HOME HEALTH SERVICES, DURABLE MEDICAL EQUIPMENT OR SUPPLIES, HANDYMAN, HOME DELIVERED MEALS, OR RESPITE SERVICES.

Program 2

Expenses: $1,344,060 Revenue: $274,585

NUTRITION-THE SWIRCA & MORE NUTRITION PROGRAMS PROVIDED DAILY HOME DELIVERED MEALS THROUGHOUT SOUTHERN INDIANA COUNTRIES BY WAY OF MEAL ROUTES. THE MEAL RECIPIENTS INCLUDE CLIENTS WHO ARE HOMEBOUND AND UNABLE TO PREPARE A HOT NUTRITIOUS LUNCH AS WELL AS CARE GIVERS OF ELDERLY FAMILY MEMBERS WHO ARE UNABLE TO TRAVEL TO A SWIRCA & MORE CONGREGATE MEAL SITE SUPPORTING OUR COMMUNITY MEMBERS BY PROVIDING DAILY WELL-BALANCED MEALS FOR THOSE IN NEED.

Program 3

Expenses: $249,760 Revenue: $51,025

WELLNESS AND COMMUNITY PROGRAMS- SWIRCA & MORE HEALTHY AGING/WELLNESS PROGRAM SERVES AN AVERAGE OF 2447 PEOPLE PER MONTH (DUPLICATED). WITH AN AVERAGE OF 181.17 PER DAY (DUPLICATED) VISITING THE...

WELLNESS AND COMMUNITY PROGRAMS- SWIRCA & MORE HEALTHY AGING/WELLNESS PROGRAM SERVES AN AVERAGE OF 2447 PEOPLE PER MONTH (DUPLICATED). WITH AN AVERAGE OF 181.17 PER DAY (DUPLICATED) VISITING THE ACTIVITY CENTER. THERE ARE A VARIETY OF PROGRAMS OFFERED WHICH INCLUDE THE FOLLOWING: BINGOCIZE, MATTER OF BALANCE, YOGA, CHAIR YOGA, TAI CHI, BALANCE CLASS, PARKINSONS'S EXERCISE CLASS< ARTHRITIS EXERCISE CLASS, STRETCH AND TONE, LINE DANCING, INTRO TO LINE DANCING, DRUMS ALIVE, EDUCATIONAL HEALTH CLASSES (WITH VOLUNTEERS FROM IU, UE AND USI INCLUDING STUDENT NURSES, PHYSICAL THERAPIST, OCCUPATIONAL THERAPISTS AND MEDICAL STUDENTS), EXERCISE ROOM, COMMUNITY HEALTHY AGING PROGRAMS AND SPEAKERS, SOCIAL ACTVITIES (SPECIAL EVENTS/PARTIES AND OUTINGS), BINGO, AND PAINTING AND CRAFT CLASSES.

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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 $6,219,879

Program Service Revenue $1,252,495

Investment Income $118,384

Other Revenue $102,569

TOTAL REVENUE $7,693,327

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,585,350

Fundraising Expenses $130,265

Program Expenses $6,130,801

Other Expenses $3,574,418

TOTAL EXPENSES $7,159,768

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,693,327	$9,468,216	-0.2%
Expenses	$7,159,768	$7,825,877	-0.1%
Net Income	$533,559	$1,642,339	-0.7%

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

141

Volunteers

246

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

$284,793

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WENDY CHINN	DIRECTOR	1.00	Director	$0	$0	$0
DUNNING CHRIS	DIRECTOR	1.00	Director	$0	$0	$0
SANDY LASHER	DIRECTOR	1.00	Director	$0	$0	$0
ADAMS KATY	DIRECTOR	1.00	Director	$0	$0	$0
CINDY LEDBETTER	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN ESTES	DIRECTOR	1.00	Director	$0	$0	$0
KELSEY SELLERS	DIRECTOR	1.00	Director	$0	$0	$0
VICKI J SIMMONS	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHELLE GEORGETTE	DIRECTOR	1.00	Director	$0	$0	$0
SHELBY BASS	PAST CHAIR	1.00	Officer Director	$0	$0	$0
BASHAR HAMAMI	DIRECTOR	1.00	Director	$0	$0	$0
DENISE JOHNSON-KINCAID	DIRECTOR	1.00	Director	$0	$0	$0
LINNZI BAUMANN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JANCIE RICHARDSON	DIRECTOR	1.00	Director	$0	$0	$0
BRAD ELPERS	CHAIR	1.00	Officer Director	$0	$0	$0
ALAN VAN CLEEF	DIRECTOR	1.00	Director	$0	$0	$0
LISA MELLIFF	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW WURDEMAN	DIRECTOR	1.00	Director	$0	$0	$0
DILLON MULHERIN	TREASUER	1.00	Officer Director	$0	$0	$0
BREANNA WYMAN	DIRECTOR	1.00	Director	$0	$0	$0
RHONDA ZUBER	PRESIDENT	38.00	Officer	$106,307	$0	$106,307
KEITH PATTERSON	VP FINANCE	38.00	Officer	$83,439	$3,237	$86,676
MICHAEL HALLING	VP OPERATIONS	38.00	Officer	$87,830	$3,980	$91,810

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	$7,693,327	$7,159,768	$10,622,698	$533,559
2024	No data	No data	No data	No data
2023	$7,718,192	$6,733,024	$6,077,752	$985,168
2022	$6,951,853	$6,439,949	$4,727,589	$511,904
2021	$6,889,068	$6,207,006	$4,341,747	$682,062
2020	$6,377,391	$6,091,743	$4,317,020	$285,648
2019	$6,263,895	$5,542,567	$3,608,226	$721,328
2018	$5,732,711	$5,597,561	$2,878,919	$135,150

SOUTHWESTERN INDIANA REGIONAL COUNCIL ON AGING INC DBA SWIRCA & MORE