MIDDLE FLINT AREA COUNCIL ON AGING (EIN 581124231) - 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

1972

Legal Domicile

Principal Officer

NORMAN GRAVES

Phone

2299282126

Tax Period

2024-07-01 to 2025-06-30

MIDDLE FLINT AREA COUNCIL ON AGING, founded in 1972, is a community nonprofit that reported $7.1M in total revenue in fiscal year 2024. Expenses of $8.1M exceeded revenue, resulting in a 13% operating deficit.

Mission

TITLE III OLDER AMERICANS ACT

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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 $972,625

Program Service Revenue $6,013,669

Investment Income $140,746

Other Revenue $-19,772

TOTAL REVENUE $7,107,268

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,846,312

Fundraising Expenses $0

Program Expenses $7,867,599

Other Expenses $6,212,161

TOTAL EXPENSES $8,058,473

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,107,268	$7,409,789	0.0%
Expenses	$8,058,473	$8,116,459	0.0%
Net Income	$-951,205	$-706,670	+0.3%

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

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

$232,649

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NORMAN GRAVES	EXECUTIVE DI	40.00	Officer	$232,649	$0	$232,649
JOAN MASON	TREASURER	1.00	Officer Director	$0	$0	$0
FRED RICHMOND	SECRETARY	1.00	Officer Director	$0	$0	$0
SELETA ROGERS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
ANN STRIPLING	DIRECTOR	1.00	Director	$0	$0	$0
TOMMY WHITAKER	CHAIRMAN	1.00	Officer 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	$7,107,268	$8,058,473	$24,885,552	$-951,205
2024	$7,409,789	$8,116,459	$21,468,166	$-706,670
2023	$7,195,199	$7,366,169	$21,449,377	$-170,970
2022	$7,638,632	$7,336,760	$21,707,476	$301,872
2021	$8,550,367	$7,686,838	$23,023,760	$863,529
2020	$8,611,989	$8,012,483	$23,157,871	$599,506
2019	$8,507,157	$7,903,451	$22,754,477	$603,706

MIDDLE FLINT AREA COUNCIL ON AGING