SAGINAW WESTCHESTER VILLAGE INC

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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

1967

Legal Domicile

Principal Officer

MELISSA CABINE

Tax Period

2023-01-01 to 2023-12-31

SAGINAW WESTCHESTER VILLAGE INC, founded in 1967, is a small nonprofit that reported $452K in total revenue in fiscal year 2023. Revenue fell 90% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $425K, a strong 94% operating margin.

Mission

SUBSIDIZED LOW INCOME HOUSING

Program Service Accomplishments

Program 1

Expenses: $0 Revenue: $368,234

TO INVEST IN SERVICES FOR ELDERLY FAMILIES ELDERLY PERSONS AND DISABLED PERSONS ON A NON-PROFIT BASIS RENTAL HOUSING AND RELATED FACILITIES AND SERVICES SPECIFICALLY DESIGNED TO MEET THE PHYSICAL...

TO INVEST IN SERVICES FOR ELDERLY FAMILIES ELDERLY PERSONS AND DISABLED PERSONS ON A NON-PROFIT BASIS RENTAL HOUSING AND RELATED FACILITIES AND SERVICES SPECIFICALLY DESIGNED TO MEET THE PHYSICAL SOCIAL AND PSYCHOLOGICAL NEEDS OF THE AGED AND THE DISABLED AND CONTRIBUTE TO THEIR HEALTH SECURITY HAPPINESS AND USEFULLNESS IN LONGER 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $368,234

Investment Income $35,560

Other Revenue $48,303

TOTAL REVENUE $452,097

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $26,884

TOTAL EXPENSES $26,884

Year-over-Year Comparison

	2023	2022	Change
Revenue	$452,097	$4,734,822	-0.9%
Expenses	$26,884	$481,923	-0.9%
Net Income	$425,213	$4,252,899	-0.9%

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

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
MELISSA CABINE	DIRECTOR	1.00	Director	$0	$0	$0
TODD ARNER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ROGER LITTLE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN DUNN	PRESIDENT	1.00	Officer Director	$0	$0	$0
JERRY DESLOOVER	SECRETARY TREASURER	1.00	Officer Director	$0	$0	$0
GERI DOXIE	DIRECTOR	1.00	Director	$0	$0	$0
DEAN EMERSON	DIRECTOR	1.00	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	No data	No data	No data	No data
2023	$452,097	$26,884	$9,833,120	$425,213
2022	$4,734,822	$481,923	$9,545,551	$4,252,899
2021	$1,028,496	$803,364	$7,218,210	$225,132
2020	$978,038	$842,641	$7,013,745	$135,397