LIFE NAVIGATORS INC (EIN 390978146) - 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

1949

Legal Domicile

Principal Officer

VICKI SPATARO WACHNIAK

Phone

4147746255

Tax Period

2025-01-01 to 2025-12-31

LIFE NAVIGATORS INC, founded in 1949, is a community nonprofit that reported $4.6M in total revenue in fiscal year 2025. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 31% operating margin.

Mission

TO IMPROVE THE QUALITY OF LIFE FOR INDIVIDUALS WITH DEVELOPMENTAL AND RELATED DISABILITIES, THEIR FAMILIES AND THE COMMUNITY THROUGH INFORMATION, EDUCATION AND LIFE PLANNING PROGRAMS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $1,840,753

Program Service Revenue $2,225,762

Investment Income $224,653

Other Revenue $306,474

TOTAL REVENUE $4,597,642

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,488,294

Fundraising Expenses $161,748

Program Expenses $2,941,949

Other Expenses $694,761

TOTAL EXPENSES $3,183,055

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,597,642	$3,329,677	+0.4%
Expenses	$3,183,055	$2,625,580	+0.2%
Net Income	$1,414,587	$704,097	+1.0%

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

100

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

$249,931

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH RUTHMANSDORFER	PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
ADAM KELLER	DIRECTOR-AT-LARGE	2.00	Officer Director	$0	$0	$0
CINDY BENTLEY	DIRECTOR	2.00	Director	$0	$0	$0
MAGGIE BUTTERFIELD	DIRECTOR	2.00	Director	$0	$0	$0
LISA VOISIN	SECRETARY AND TREASURER	2.00	Officer Director	$0	$0	$0
RAY WILSON	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
GREG BLOCK	PRESIDENT	2.00	Officer Director	$0	$0	$0
DARRYLL FORTUNE	DIRECTOR	2.00	Director	$0	$0	$0
KURT MALTBY	DIRECTOR	2.00	Director	$0	$0	$0
CINDY SCHAUS	DIRECTOR	2.00	Director	$0	$0	$0
AVERY MAYNE	DIRECTOR-AT-LARGE	2.00	Officer Director	$0	$0	$0
TIM ANDERSON	DIRECTOR	2.00	Director	$0	$0	$0
STEPHANIE LARSON	DIRECTOR	2.00	Director	$0	$0	$0
DAN WITKOFSKI	DIRECTOR	2.00	Director	$0	$0	$0
SHEILA FRISINGER	DIRECTOR	2.00	Director	$0	$0	$0
VICKI SPATARO-WACHNIAK	EXECUTIVE DIRECTOR	40.00	Officer	$229,496	$20,435	$249,931

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	$4,597,642	$3,183,055	$6,678,258	$1,414,587
2024	$3,329,677	$2,625,580	$4,981,916	$704,097
2023	$2,178,773	$2,449,763	$3,980,002	$-270,990
2022	$3,159,141	$2,754,022	$4,080,435	$405,119
2021	$2,797,914	$2,458,351	$3,960,678	$339,563
2020	$2,806,192	$2,368,227	$3,604,445	$437,965
2019	$2,440,979	$2,126,679	$3,060,997	$314,300
2018	$1,966,390	$1,835,301	$2,935,721	$131,089

LIFE NAVIGATORS INC