MARSHALL AREA SENIOR CITIZENS INC (EIN 431207213) - 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

1979

Legal Domicile

Principal Officer

KENNETH BRYANT

Phone

6608869888

Tax Period

2024-07-01 to 2025-06-30

MARSHALL AREA SENIOR CITIZENS INC, founded in 1979, is a micro nonprofit that reported $22K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $9K, a strong 40% operating margin.

Mission

THE MARSHALL AREA SENIOR CITIZENS, INC. WILL PROVIDE A FACILITY WHICH WILL SERVE AS A FOCAL POINT FOR VITAL PROGRAMS AND SERVICES THROUGH PLANNED AND EFFECTIVE OPERATION FOR THE AREA SENIOR CITIZEN POPULATION.

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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 $7,800

Investment Income $13,788

Other Revenue $0

TOTAL REVENUE $21,588

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $10,647

Other Expenses $12,927

TOTAL EXPENSES $12,927

Year-over-Year Comparison

	2024	2023	Change
Revenue	$21,588	$30,483	-0.3%
Expenses	$12,927	$22,382	-0.4%
Net Income	$8,661	$8,101	+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

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
ARNOLD GERLOFF	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT MARTIN	DIRECTOR	5.00	Director	$0	$0	$0
CAROL RIEKS	DIRECTOR	5.00	Director	$0	$0	$0
KENNETH BRYANT	PRESIDENT	10.00	Officer	$0	$0	$0
MARGARET ELSEA	SECRETARY	5.00	Officer	$0	$0	$0
JUDITH MARK	TREASURER	5.00	Officer	$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	$21,588	$12,927	$573,132	$8,661
2024	$30,483	$22,382	$564,471	$8,101
2023	$53,030	$23,145	$556,370	$29,885
2022	$37,492	$16,247	$526,485	$21,245
2021	$30,686	$20,722	$505,240	$9,964

MARSHALL AREA SENIOR CITIZENS INC