Center for Creative Living (EIN 731099109) - 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

Legal Domicile

Phone

5802480471

Tax Period

2024-07-01 to 2025-06-30

Center for Creative Living is a small nonprofit that reported $599K in total revenue in fiscal year 2024. Expenses of $685K exceeded revenue, resulting in a 14% operating deficit.

Mission

The Center for Creative Living, where it feels like homeThe Center for Creative Living focuses on improving the quality of life for senior citizens in SW Oklahoma. The CCL offers programs to teach & encourage physical wellness, nutrition & diet; emotional/social wellness; and intellectual wellness. Without the CCL there would be increased rates of isolation, depression, injury, illness, and early death among our senior citizens. The CCL is a critical component in the aging continuum of care and fills an important need for seniors. Active, healthy aging not only benefits individuals, but communities as well. Active seniors are more engaged, volunteer more, and generally add value to the overall fabric of a thriving community.This past year:The CCL served over 22,000 meals. We clocked 13,650 volunteer hours which has a pay value of $19,474.We found 3 new grantors: Anderson, Sarkeys, and ARPA and CDBG plus the new in at Classic Chevy.We had to cancel all inside activities again this year

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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 $598,542

Program Service Revenue $0

Investment Income $150

Other Revenue $0

TOTAL REVENUE $598,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $279,121

Fundraising Expenses $102,761

Program Expenses $494,793

Other Expenses $405,749

TOTAL EXPENSES $684,870

Year-over-Year Comparison

	2024	2023	Change
Revenue	$598,692	$620,448	0.0%
Expenses	$684,870	$649,769	+0.1%
Net Income	$-86,178	$-29,321	+1.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARRY LINCOURT	Director	5.00	Director	$0	$0	$0
REGINALD BROWN	Secretary	5.00	Officer Director	$0	$0	$0
SUMI MCCARGO	Treasurer	5.00	Officer Director	$0	$0	$0
PETRA TAYLOR	Director	5.00	Director	$0	$0	$0
SUSAN QUENSEL	Board & Grounds	5.00	Officer Director	$0	$0	$0
AIMIE SWARTZ	Director	5.00	Director	$0	$0	$0
CHRISTI CHAMBERS	Nominated Pres	5.00	Officer Director	$0	$0	$0
ROBERTA KANTOWSKI	Director	5.00	Director	$0	$0	$0
MARY DZINDOLET	Director	5.00	Director	$0	$0	$0
TAYLOR KENNEDY	Nominated VP	0.00	Officer Director	$0	$0	$0
CANDACE HAMMOND	Executive Dir.	0.00	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	$598,692	$684,870	$374,467	$-86,178
2024	$620,448	$649,769	$415,491	$-29,321
2023	$818,743	$809,667	$391,006	$9,076
2022	$464,169	$504,690	$380,201	$-40,521
2021	$1,060,198	$994,111	$477,849	$66,087
2020	$495,338	$405,680	$347,722	$89,658
2019	$412,359	$340,592	$263,836	$71,767

Center for Creative Living