VIRGIN ISLANDS ASSOCIATION OF INDEPENDENT LIVING INC (EIN 660378559) - 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

1980

Legal Domicile

Principal Officer

Monique

Phone

3407774978

Tax Period

2022-10-01 to 2023-09-30

VIRGIN ISLANDS ASSOCIATION OF INDEPENDENT LIVING INC, founded in 1980, is a small nonprofit in the Health Care sector that reported $358K in total revenue in fiscal year 2022. Revenue fell 22% from the prior year — a significant decline worth monitoring. Net assets of $1.3M represent 42 months of operating reserves.

Mission

TO ASSIST PERSONS WITH PHYSICAL, SENSORY AND MENTAL DISABILITIES TO BECOME INDEPENDENT

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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 (2022)

Revenue Breakdown

Contributions & Grants $357,598

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $357,598

Expense Breakdown

Grants Paid $0

Salaries & Benefits $138,290

Fundraising Expenses $0

Program Expenses $386,199

Other Expenses $247,909

TOTAL EXPENSES $386,199

Year-over-Year Comparison

	2022	2021	Change
Revenue	$357,598	$459,719	-0.2%
Expenses	$386,199	$514,446	-0.2%
Net Income	$-28,601	$-54,727	-0.5%

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

N/A

Independent Members

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Susan Penn	Treasurer/Secretary	Officer	$0	$0	$0
Pamela Richards Samuel	Board Member	Officer	$0	$0	$0
Sal Sampere	Board Member	Officer	$0	$0	$0
Felicia Brownlow	Board Member	Officer	$0	$0	$0
Edita Carty	Chairperson	Officer	$0	$0	$0
Edithrose Jennings	Board Member	Officer	$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
2023	$357,598	$386,199	$1,270,916	$-28,601
2022	$459,719	$514,446	$1,233,426	$-54,727
2021	$604,920	$561,728	$1,147,427	$43,192
2020	$614,610	$381,831	$1,091,623	$232,779

VIRGIN ISLANDS ASSOCIATION OF INDEPENDENT LIVING INC