SENIOR CITIZENS SERVICES OF VERMILL

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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

1969

Legal Domicile

Principal Officer

RUTH BREMER

Phone

6056248072

Tax Period

2025-01-01 to 2025-12-31

SENIOR CITIZENS SERVICES OF VERMILL, founded in 1969, is a small nonprofit in the Human Services sector that reported $193K in total revenue in fiscal year 2025. Revenue surged 84% from the prior year, signaling strong growth momentum. The organization ran a surplus of $73K, a strong 38% operating margin.

Mission

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

Program Service Accomplishments

Program 1

Expenses: $107,631 Revenue: $3,570

TO PROVIDE SERVICES FOR THE SENIORS BY PROVIDING A SPACE FOR THEM TO MEET AND SOCIALIZE.

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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 $134,024

Program Service Revenue $3,570

Investment Income $22,521

Other Revenue $32,827

TOTAL REVENUE $192,942

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,475

Fundraising Expenses $0

Program Expenses $107,631

Other Expenses $36,668

TOTAL EXPENSES $120,143

Year-over-Year Comparison

	2025	2024	Change
Revenue	$192,942	$105,138	+0.8%
Expenses	$120,143	$126,278	0.0%
Net Income	$72,799	$-21,140	-4.4%

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

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
DAN CHRISTOPHERSON	MEMBER AT LA	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 OUELLETTE	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
2025	$192,942	$120,143	$700,716	$72,799
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