ST JOSEPH-LINCOLN SENIOR SERVICE CENTER INC (EIN 382085893) - 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

1960

Legal Domicile

Principal Officer

BOB HOPKINS

Phone

2694297768

Tax Period

2024-10-01 to 2025-09-30

ST JOSEPH-LINCOLN SENIOR SERVICE CENTER INC, founded in 1960, is a small nonprofit that reported $932K in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Net assets of $3.1M represent 40 months of operating reserves.

Mission

TO PROVIDE SAFE, FRIENDLY, AND POSITIVE SOCIAL, EDUCATIONAL AND RECREATIONAL SERVICES FOR CITIZENS OVER THE AGE OF 60 AND THEIR SPOUSES (REGARDLESS OF AGE) IN BERRIEN COUNTY, MICHIGAN.

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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 $716,021

Program Service Revenue $186,960

Investment Income $28,802

Other Revenue $0

TOTAL REVENUE $931,783

Expense Breakdown

Grants Paid $0

Salaries & Benefits $305,420

Fundraising Expenses $0

Program Expenses $730,449

Other Expenses $634,402

TOTAL EXPENSES $939,822

Year-over-Year Comparison

	2024	2023	Change
Revenue	$931,783	$1,022,567	-0.1%
Expenses	$939,822	$1,003,658	-0.1%
Net Income	$-8,039	$18,909	-1.4%

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

250

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
BOB HOPKINS	PRESIDENT	8.00	Officer Director	$0	$0	$0
ROCCO PAVESE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
SUBHAS DHODAPKAR	TREASURER	3.00	Officer Director	$0	$0	$0
PATTY NORDBERG	SECRETARY	4.00	Officer Director	$0	$0	$0
CELINA BEVELHYMER	DIRECTOR	6.00	Director	$0	$0	$0
JIM HLIFKA	DIRECTOR	5.00	Director	$0	$0	$0
MARK JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
TIM KRAGT	DIRECTOR	4.00	Director	$0	$0	$0
DENNIS MCCARTHY	DIRECTOR	2.00	Director	$0	$0	$0
CHERYL RYNO	DIRECTOR	2.00	Director	$0	$0	$0
TED POST	DIRECTOR	8.00	Director	$0	$0	$0
DENNIS MEADOWS	DIRECTOR	8.00	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
2025	$931,783	$939,822	$3,127,787	$-8,039
2024	$1,022,567	$1,003,658	$3,126,033	$18,909
2023	$737,417	$811,370	$3,210,302	$-73,953
2022	$828,817	$784,980	$3,206,603	$43,837
2021	$614,503	$569,950	$3,129,308	$44,553
2020	$687,638	$571,175	$3,120,624	$116,463
2019	$791,330	$652,491	$3,018,555	$138,839
2018	$697,644	$555,765	$3,263,690	$141,879

ST JOSEPH-LINCOLN SENIOR SERVICE CENTER INC