LIFE OPPORTUNITIES UNLIMITED (EIN 521935605) - 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

1996

Legal Domicile

Principal Officer

Gail Tamirian Mandeli

Phone

2016891128

Tax Period

2024-07-01 to 2025-06-30

LIFE OPPORTUNITIES UNLIMITED, founded in 1996, is a community nonprofit in the Human Services sector that reported $7.1M in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.6M, a strong 50% operating margin.

Mission

The Corporation operates four group homes and a day program. The Primery source of funding is State of New Jersey-Division of Developmental Disabilities

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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 $887,743

Program Service Revenue $6,030,657

Investment Income $159,710

Other Revenue $62,777

TOTAL REVENUE $7,140,887

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,439,722

Fundraising Expenses $0

Program Expenses $2,970,816

Other Expenses $1,132,411

TOTAL EXPENSES $3,572,133

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,140,887	$5,609,646	+0.3%
Expenses	$3,572,133	$3,340,670	+0.1%
Net Income	$3,568,754	$2,268,976	+0.6%

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

$245,933

Total Directors

$245,933

Key Employees

$411,047

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gail Tamirian- Mandeli	President/Executive Dir.	040.00	Officer Director Key Emp Highest	$245,933	$0	$245,933
Matthew G Mandeli	COO	040.00	Key Emp Highest	$165,114	$0	$165,114
Lioyd Astmann	Vice-President/Acting Treasurer	001.00	Officer Director	$0	$0	$0
Neil Forte Jr	Board Member	001.00	Director	$0	$0	$0
Dr John Mandeli	Board Member	001.00	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	$7,140,887	$3,572,133	$20,735,034	$3,568,754
2024	$5,609,646	$3,340,670	$9,872,172	$2,268,976
2023	$4,363,416	$3,245,395	$8,185,676	$1,118,021
2022	$4,441,539	$2,560,750	$8,032,118	$1,880,789
2021	$5,140,160	$2,465,470	$6,319,640	$2,674,690
2020	$3,726,600	$2,550,336	$4,209,450	$1,176,264
2019	$2,928,761	$2,120,516	$2,494,082	$808,245
2018	$2,059,464	$2,028,804	$1,822,534	$30,660

LIFE OPPORTUNITIES UNLIMITED