GREENCASTLE OF STERLING INC C/O EMBRACE LIVING COMMUNITIES (EIN 364209258) - 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

1998

Legal Domicile

Principal Officer

RALPH GAINES

Phone

6305218021

Tax Period

2024-01-01 to 2024-12-31

GREENCASTLE OF STERLING INC C/O EMBRACE LIVING COMMUNITIES, founded in 1998, is a small nonprofit in the Housing & Shelter sector that reported $456K in total revenue in fiscal year 2024. Net assets of $1.4M represent 37 months of operating reserves.

Mission

TO PROVIDE ACTIVELY AGING ADULTS AFFORDABLE WELCOMING HOMES IN COMMUNITIES THAT EMBRACE LIVING.

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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 $0

Program Service Revenue $449,783

Investment Income $146

Other Revenue $6,296

TOTAL REVENUE $456,225

Expense Breakdown

Grants Paid $0

Salaries & Benefits $193,446

Fundraising Expenses $0

Program Expenses $453,668

Other Expenses $307,991

TOTAL EXPENSES $501,437

Year-over-Year Comparison

	2024	2023	Change
Revenue	$456,225	$436,532	+0.0%
Expenses	$501,437	$498,258	+0.0%
Net Income	$-45,212	$-61,726	-0.3%

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

N/A

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

$659,214

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RUTH CARLSON	DIRECTOR	0.20	Director	$0	$0	$0
KAREN-LATIMER-HORSTHEAKE	DIRECTOR	0.20	Director	$0	$0	$0
SCOTT MEYER	CHAIRMAN	0.20	Director	$0	$0	$0
TONYA PITTS	DIRECTOR	0.20	Director	$0	$0	$0
IRV WOODS	DIRECTOR	0.20	Director	$0	$0	$0
ROBERT GAMRATH	DIRECTOR	0.20	Director	$0	$0	$0
J PAUL BERTSCHE	DIRECTOR	0.20	Director	$0	$0	$0
RALPH GAINES	PRESIDENT & CEO	0.20	Officer	$0	$50,615	$422,211
ANNE M OLIVA	EXECUTIVE VICE PRESIDENT &	1.00	Officer	$0	$22,837	$237,003
ALINA SERBAN	CHIEF OF STAFF	1.00	Highest	$0	$38,357	$139,821
JENNIFER TRUPPA	DIRECTOR OF SOCIAL SERVICE	1.00	Highest	$0	$40,480	$160,134
DAWN ZENKNER	CONTROLLER	0.20	Highest	$0	$43,024	$155,445
ED HAVLOVIC	DIRECTOR OF PLANT OPERATIO	1.00	Highest	$0	$27,750	$134,566
GARY ADAMS	DIRECTOR OF OPERATIONS	0.20	Highest	$0	$29,254	$145,325

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	$456,225	$501,437	$1,431,806	$-45,212
2023	$436,532	$498,258	$1,482,846	$-61,726
2022	$424,550	$478,268	$1,532,063	$-53,718
2021	$415,212	$484,999	$1,639,495	$-69,787
2020	$413,213	$521,463	$1,674,732	$-108,250

GREENCASTLE OF STERLING INC C/O EMBRACE LIVING COMMUNITIES