AMERICAN SENIOR BENEFITS ASSOCIATION (EIN 752147768) - 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

1986

Legal Domicile

Phone

8779062722

Tax Period

2022-10-01 to 2023-09-30

AMERICAN SENIOR BENEFITS ASSOCIATION, founded in 1986, is a micro nonprofit in the Unknown sector that reported $16K in total revenue in fiscal year 2022. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $197K exceeded revenue, resulting in a 1166% operating deficit.

Mission

PROVIDING INFORMATION TO MEMBERS RELEVANT TO THE INTERESTS AND NEEDS OF SENIOR CITIZENS IN AMERICA.

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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 $0

Program Service Revenue $48,291

Investment Income $7,703

Other Revenue $-40,438

TOTAL REVENUE $15,556

Expense Breakdown

Grants Paid $148,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $148,500

Other Expenses $48,441

TOTAL EXPENSES $196,941

Year-over-Year Comparison

	2022	2021	Change
Revenue	$15,556	$264,344	-0.9%
Expenses	$196,941	$310,026	-0.4%
Net Income	$-181,385	$-45,682	+3.0%

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

N/A

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
ANITA GAGE	Director	2.00	Director	$0	$0	$0
ERNIE GIAMBRA	Director	2.00	Officer Director	$0	$0	$0
EILEEN PHILBIN	president & ExD	2.00	Officer Director	$0	$0	$0
BILL HILL JR	Director	2.00	Director	$0	$0	$0
NICK TAYLOR	Director	2.00	Director	$0	$0	$0
MARK KRUM	Director	2.00	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
2023	$15,556	$196,941	$610,912	$-181,385
2022	$264,344	$310,026	$633,789	$-45,682
2021	$202,197	$161,349	$679,681	$40,848
2020	$284,569	$78,876	$736,241	$205,693
2019	$305,035	$313,621	$509,995	$-8,586
2018	$380,316	$351,833	$486,871	$28,483

AMERICAN SENIOR BENEFITS ASSOCIATION