Gifford Retirement Community Inc (EIN 463593492) - 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

2013

Legal Domicile

Principal Officer

Michael Costa

Phone

8027287000

Tax Period

2023-10-01 to 2024-09-30

Gifford Retirement Community Inc, founded in 2013, is a mid-sized nonprofit in the Housing & Shelter sector that reported $10.9M in total revenue in fiscal year 2023. Revenue surged 70% from the prior year, signaling strong growth momentum. Expenses of $10.1M left a modest 7% surplus.

Mission

Gifford is committed to providing top quality care for our whole community, for people of every age and that's the founding vision of Morgan Orchards senior living.

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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 (2023)

Revenue Breakdown

Contributions & Grants $4,113,754

Program Service Revenue $6,749,911

Investment Income $25,139

Other Revenue $0

TOTAL REVENUE $10,888,804

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,073,466

Fundraising Expenses $0

Program Expenses $7,318,397

Other Expenses $5,033,451

TOTAL EXPENSES $10,106,917

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,888,804	$6,387,768	+0.7%
Expenses	$10,106,917	$10,148,310	0.0%
Net Income	$781,887	$-3,760,542	-1.2%

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

110

Volunteers

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

$1,477,992

Total Directors

$655,347

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Victor Ribaudo	Chair	1.00	Officer Director	$0	$0	$0
Megan Cicio	Vice Chair	1.00	Officer Director	$0	$0	$0
Peter Reed	Treasurer	1.00	Officer Director	$0	$0	$0
Kristin Chandler	Secretary	1.00	Officer Director	$0	$0	$0
Matthew Considine	Director/Trustee	1.00	Director	$0	$0	$0
Jody Davignon	Director/Trustee	1.00	Director	$0	$0	$0
Frederick Hauser	Trustee	1.00	Director	$0	$0	$0
Sarah Jackson	Director/Trustee	1.00	Director	$0	$0	$0
Jeffery Nelb	Director/Trustee	1.00	Director	$0	$0	$0
Morgan Rilling	Director/Trustee	1.00	Director	$0	$0	$0
Cindy Rosalbo	Director/Trustee	1.00	Director	$0	$0	$0
Clay Westbrook	Director/Trustee	1.00	Director	$0	$0	$0
Ursula A Margazano	GRC Director	40.00	Officer Director	$0	$24,639	$205,197
Daniel Bennett	President & CEO	1.00	Officer Director	$0	$50,757	$450,150
Theron Manning	Past Director/Trustee	1.00	Director	$0	$0	$0
Todd Winslow	Past Director/Trustee	1.00	Director	$0	$0	$0
Jennifer A Bertrand	Past CFO	1.00	Officer	$0	$14,407	$293,752
Cheyenne Holland	CFO	1.00	Officer	$0	$0	$158,925
William King	Past Interim CFO	1.00	Officer	$0	$0	$369,968

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	$10,888,804	$10,106,917	$13,759,164	$781,887
2023	$6,387,768	$10,148,310	$10,660,366	$-3,760,542
2022	$6,727,568	$9,115,601	$11,498,830	$-2,388,033
2021	$5,271,559	$8,135,340	$12,550,622	$-2,863,781
2020	$5,939,510	$7,659,706	$12,243,253	$-1,720,196
2019	$5,249,818	$7,922,893	$13,467,848	$-2,673,075
2018	$4,893,589	$7,870,058	$14,110,623	$-2,976,469

Gifford Retirement Community Inc