GREATER DETROIT AGENCY FOR THE BLIND AND VISUALLY IMPAIRED (EIN 381683860) - 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

1961

Legal Domicile

Principal Officer

JAMES SMOCK JR

Phone

3135913794

Tax Period

2024-07-01 to 2025-06-30

GREATER DETROIT AGENCY FOR THE BLIND AND VISUALLY IMPAIRED, founded in 1961, is a small nonprofit in the Diseases & Disorders sector that reported $122K in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $795K exceeded revenue, resulting in a 554% operating deficit.

Mission

OUR MISSION IS TO PROVIDE SERVICES AND SUPPORT THAT HELP BLIND AND VISUALLY IMPAIRED INDIVIDUALS LIVE PRODUCTIVE, INDEPENDENT LIVES WITH CONFIDENCE AND DIGNITY.

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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 $100,652

Program Service Revenue $0

Investment Income $20,858

Other Revenue $0

TOTAL REVENUE $121,510

Expense Breakdown

Grants Paid $0

Salaries & Benefits $451,627

Fundraising Expenses $147,299

Program Expenses $434,210

Other Expenses $281,016

TOTAL EXPENSES $794,957

Year-over-Year Comparison

	2024	2023	Change
Revenue	$121,510	$212,158	-0.4%
Expenses	$794,957	$818,093	0.0%
Net Income	$-673,447	$-605,935	+0.1%

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

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

$103,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE MCADAM	PRESIDENT	5.00	Officer Director	$0	$0	$0
DEBORAH LOVE	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
LULA GARDFREY	TREASURER	5.00	Officer Director	$0	$0	$0
DANIEL RATHBUN PHD	SECRETARY	5.00	Officer Director	$0	$0	$0
LEAMON JONES	MEMBER	2.00	Director	$0	$0	$0
ROSHNI PATEL	MEMBER	2.00	Director	$0	$0	$0
RONALD COLEMAN	MEMBER	2.00	Director	$0	$0	$0
MICHELLE WHITE	MEMBER	2.00	Director	$0	$0	$0
HONORABLE STEVEN BIEDA	MEMBER	2.00	Director	$0	$0	$0
NANCY BROWN	MEMBER	2.00	Director	$0	$0	$0
JOHN SCOTT	MEMBER	2.00	Director	$0	$0	$0
DR BERNARD MILLER OD	MEMBER	2.00	Director	$0	$0	$0
RICHARD BERNSTEIN	MEMBER	2.00	Director	$0	$0	$0
JAMES SMOCK JR	EXECUTIVE DIRECTOR	40.00	Officer	$103,000	$0	$103,000

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	$121,510	$794,957	$807,309	$-673,447
2024	$212,158	$818,093	$1,548,106	$-605,935
2023	$174,335	$704,912	$2,209,824	$-530,577
2022	$255,051	$340,134	$2,353,828	$-85,083
2021	$288,166	$190,956	$2,999,246	$97,210
2020	$398,335	$465,039	$2,507,761	$-66,704
2019	$362,713	$513,889	$2,669,575	$-151,176
2018	$358,915	$450,660	$2,774,006	$-91,745

GREATER DETROIT AGENCY FOR THE BLIND AND VISUALLY IMPAIRED