JEFFERSON AREA BOARD FOR AGING INC (EIN 540990078) - 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

1985

Legal Domicile

Principal Officer

DABNEY WELLFORD

Phone

4348175222

Tax Period

2024-10-01 to 2025-09-30

JEFFERSON AREA BOARD FOR AGING INC, founded in 1985, is a community nonprofit in the Human Services sector that reported $2.7M in total revenue in fiscal year 2017. Revenue fell 32% from the prior year — a significant decline worth monitoring. Net assets of $8.1M represent 36 months of operating reserves.

Mission

PROMOTING, ESTABLISHING AND PRESERVING SUSTAINABLE COMMUNITIES FOR HEALTHY AGING THAT BENEFIT INDIVIDUALS AND FAMILIES OF ALL AGES.

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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 $760,536

Program Service Revenue $721,547

Investment Income $234,110

Other Revenue $547,629

TOTAL REVENUE $2,263,822

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,089,969

Fundraising Expenses $225,278

Program Expenses $1,735,361

Other Expenses $1,104,189

TOTAL EXPENSES $2,194,158

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,263,822	$2,255,649	+0.0%
Expenses	$2,194,158	$2,500,508	-0.1%
Net Income	$69,664	$-244,859	-1.3%

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

629

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

$431,859

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GIBSON JR ME DICK	CHAIRMAN	2.80	Officer Director	$0	$0	$0
MCCUSKER JEANNE	VICE CHAIR	2.20	Officer Director	$0	$0	$0
BRUGH RICHARD CHUCK	TREASURER	1.70	Officer Director	$0	$0	$0
GREENE-MORRIS JOHNSA	SECRETARY	1.20	Officer Director	$0	$0	$0
ARMSTRONG WANDA	DIRECTOR	1.40	Director	$0	$0	$0
BACA SR CHRISTOPHER CHRIS	DIRECTOR	2.30	Director	$0	$0	$0
DOWNS JENN	DIRECTOR	1.60	Director	$0	$0	$0
HUTCHINSON DAWN	DIRECTOR	2.10	Director	$0	$0	$0
COSTIGAN PETE	DIRECTOR	2.70	Director	$0	$0	$0
BARBER BETH	DIRECTOR	2.00	Director	$0	$0	$0
FOY JANE S	DIRECTOR	0.70	Director	$0	$0	$0
THOMPSON NOVELLA W	DIRECTOR	1.20	Director	$0	$0	$0
JONES RACHEL	DIRECTOR	0.90	Director	$0	$0	$0
WALKER DOUG	DIRECTOR	1.30	Director	$0	$0	$0
WADE JUANDIEGO	DIRECTOR	1.20	Director	$0	$0	$0
MOWAT CAMERON	DIRECTOR	1.60	Director	$0	$0	$0
WINGET-HERNANDEZ MICHAEL	DIRECTOR	1.00	Director	$0	$0	$0
LINDSAY MD RICHARD DICK	DIRECTOR	1.90	Director	$0	$0	$0
MCKEEL DIANTHA	DIRECTOR	1.30	Director	$0	$0	$0
MURPHY ROBERT	DIRECTOR	1.60	Director	$0	$0	$0
PHILLIPS PHD ELAYNE	DIRECTOR	2.70	Director	$0	$0	$0
REED ERNIE	DIRECTOR	2.00	Director	$0	$0	$0
WEISS ELLIOTT	DIRECTOR	1.30	Director	$0	$0	$0
QUILLEN DANA E	DIRECTOR	1.30	Director	$0	$0	$0
KEANE MARTA	CEO THROUGH 1/13/25	55.00	Officer	$188,422	$9,145	$197,567
CHRISTINA EVANS	CEO AS OF 4/21/25	55.00	Officer	$87,836	$12,672	$100,508
WELLFORD JR DABNEY	CFO	50.00	Officer	$123,086	$10,698	$133,784
GINGER DILLARD	FORMER COO	50.00		$125,300	$8,655	$133,955

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	$2,263,822	$2,194,158	$10,797,998	$69,664
2024	$2,255,649	$2,500,508	$10,245,776	$-244,859
2023	$2,228,985	$2,446,878	$9,734,743	$-217,893
2022	$2,696,536	$2,236,803	$9,550,860	$459,733
2021	$2,091,085	$2,473,892	$9,602,711	$-382,807
2020	$2,742,606	$1,946,179	$9,789,923	$796,427
2019	$2,828,042	$2,550,319	$8,585,700	$277,723
2018	$2,733,424	$2,819,521	$8,189,361	$-86,097

JEFFERSON AREA BOARD FOR AGING INC