SENIOR CITIZENS SERVICES OF VERMILL (EIN 460310673) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1969

Legal Domicile

Principal Officer

RUTH BREMER

Phone

6056248072

Tax Period

2024-01-01 to 2024-12-31

SENIOR CITIZENS SERVICES OF VERMILLION INC, founded in 1969, is a micro nonprofit in the Human Services sector that reported $92K in total revenue in fiscal year 2018. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $119K exceeded revenue, resulting in a 29% operating deficit.

Mission

TO ENHANCE AND PROMOTE A COMMUNITY GATHERING PLACE FOR SENIOR CITIZENS TO SOCIALIZE AND ENJOY LIFE WITH OTHERS IN VERMILLION.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $53,899

Program Service Revenue $2,900

Investment Income $13,430

Other Revenue $34,909

TOTAL REVENUE $105,138

Expense Breakdown

Grants Paid $0

Salaries & Benefits $80,406

Fundraising Expenses $0

Program Expenses $113,165

Other Expenses $45,872

TOTAL EXPENSES $126,278

Year-over-Year Comparison

	2024	2023	Change
Revenue	$105,138	$106,461	0.0%
Expenses	$126,278	$136,450	-0.1%
Net Income	$-21,140	$-29,989	-0.3%

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

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
CINDY BENZEL	PERSONNEL	1.00	Director	$0	$0	$0
RUTH BREMER	PRESIDENT	1.00	Officer Director	$0	$0	$0
KEITH BROOKS	FINANCE DIRE	1.00	Director	$0	$0	$0
MARGARET CREW	SECRETARY	1.00	Officer Director	$0	$0	$0
TEDDI GERTSMA	MEMBER AT LA	1.00	Director	$0	$0	$0
MAXINE JOHNSON	MEMBER AT LA	1.00	Director	$0	$0	$0
JOAN NELSON	TREASURER	1.00	Officer Director	$0	$0	$0
BOB NOONAN	FACILITIES	1.00	Director	$0	$0	$0
LUANN OELLETTE	MEMBER AT LA	1.00	Director	$0	$0	$0
CATHI POWELL	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
WESS PRAVECEK	MEMBER AT LA	1.00	Director	$0	$0	$0
MARGIE SCHISSEL	MEMBER AT LA	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	$105,138	$126,278	$609,769	$-21,140
2023	$106,461	$136,450	$605,529	$-29,989
2022	$111,822	$124,111	$617,689	$-12,289
2021	$113,356	$106,339	$679,060	$7,017
2020	$102,430	$97,613	$638,637	$4,817
2019	$171,822	$105,344	$633,820	$66,478
2018	$92,251	$119,386	$557,662	$-27,135

SENIOR CITIZENS SERVICES OF VERMILL