Creative Living for Life Inc (EIN 474579061) - 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

2015

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Creative Living for Life Inc, founded in 2015, is a small nonprofit in the Housing & Shelter sector that reported $265K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $107K, a strong 40% operating margin.

Mission

PROVIDE HOUSING TO DEVELOPMENTALLY DISABLED INDIVIDUALS.

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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 $26,457

Program Service Revenue $220,065

Investment Income $18,005

Other Revenue $0

TOTAL REVENUE $264,527

Expense Breakdown

Grants Paid $0

Salaries & Benefits $39,972

Fundraising Expenses $0

Program Expenses $123,178

Other Expenses $117,492

TOTAL EXPENSES $157,464

Year-over-Year Comparison

	2023	2022	Change
Revenue	$264,527	$242,962	+0.1%
Expenses	$157,464	$132,488	+0.2%
Net Income	$107,063	$110,474	0.0%

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

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
RYAN CARLSON	PRESIDENT	0.25	Director	$0	$0	$0
RON ZAMBETTI	DIRECTOR	0.25	Director	$0	$0	$0
DIANA RILEY	DIRECTOR	0.25	Director	$0	$0	$0
RACHEL SPOERR	SECRETARY	0.25	Officer Director	$0	$0	$0
DIANNE DEPASQUALE-HAGERTY	EXECUTIVE DIRECTOR	1.00	Key Emp	$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	No data	No data	No data	No data
2023	$264,527	$157,464	$4,524,466	$107,063
2022	$242,962	$132,488	$2,596,135	$110,474
2021	$231,141	$132,147	$2,114,020	$98,994
2020	$232,077	$123,046	$2,016,394	$109,031
2019	$235,089	$111,992	$1,691,252	$123,097
2018	$139,898	$53,594	$1,524,586	$86,304

Creative Living for Life Inc