THE CENTER FOR LIVING INDEPENDENTLY IN THE CNMI (EIN 721610962) - 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

2005

Legal Domicile

Principal Officer

MARY SUSAN SATUR

Phone

6703224304

Tax Period

2024-10-01 to 2025-09-30

THE CENTER FOR LIVING INDEPENDENTLY IN THE CNMI, founded in 2005, is a small nonprofit in the Human Services sector that reported $579K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $535K left a modest 8% surplus.

Mission

Dedicated to train people with disabilities to live independently in the CNMI

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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 $578,558

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $578,558

Expense Breakdown

Grants Paid $0

Salaries & Benefits $282,419

Fundraising Expenses $1,487

Program Expenses $280,618

Other Expenses $252,567

TOTAL EXPENSES $534,986

Year-over-Year Comparison

	2024	2023	Change
Revenue	$578,558	$529,265	+0.1%
Expenses	$534,986	$565,687	-0.1%
Net Income	$43,572	$-36,422	-2.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMETERIO FITIAL	President	2.00	Officer Director	$0	$0	$0
ELAINE WABOL	Vice President	2.00	Officer Director	$0	$0	$0
POLLY OMECHELANG	Secretary	2.00	Officer Director	$0	$0	$0
JOHN CABRERA	Treasurer	2.00	Officer Director	$0	$0	$0
PETER HOCOG	Member	1.00	Director	$0	$0	$0
ISIDRO KANI	Member	1.00	Director	$0	$0	$0
FELIPE AQUINO JR	Member	1.00	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	$578,558	$534,986	$233,695	$43,572
2024	$529,265	$565,687	$421,340	$-36,422
2023	$463,964	$435,568	$440,142	$28,396
2022	$525,510	$441,513	$436,834	$83,997
2021	$326,567	$367,015	$202,171	$-40,448
2020	$283,051	$257,122	$219,503	$25,929

THE CENTER FOR LIVING INDEPENDENTLY IN THE CNMI