MT CARMEL VETERANS SERVICE CENTER

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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

2016

Legal Domicile

Principal Officer

GINA CIMINO

Phone

7193094725

Tax Period

2024-04-01 to 2025-03-31

MT CARMEL VETERANS SERVICE CENTER, founded in 2016, is a community nonprofit in the Employment sector that reported $4.2M in total revenue in fiscal year 2024.

Mission

MT. CARMEL COLLABORATES WITH COMMUNITY PARTNERS IN PROVIDING BEST PRACTICES IN TRANSITION & WELLNESS SERVICES FOR VETERANS, MILITARY & THEIR FAMILIES BY DELIVERING EXPERTISE, RESOURCES, SPACE & SUSTAINABILITY. THIS IS ACCOMPLISHED BY PROVIDING A ONE-STOP SHOP FOR A VARIETY OF SERVICES SUCH AS BEHAVIORAL HEALTH COUNSELING, EMPLOYMENT & TRANSITION SUPPORT, JOB PLACEMENT & INTERNSHIPS, BENEFITS SUPPORT, HOUSING ASSISTANCE, FINANCIAL COACHING, & LEGAL & EDUCATION ASSISTANCE.

Program Service Accomplishments

Program 1

Expenses: $512,678

VETERANS CAREER & EMPLOYMENT - PROVIDES SERVICES TO TRANSITIONING MILITARY MEMBERS THROUGH AN INTENSIVE FOCUS ON EMPLOYMENT VIA TRAINING, EDUCATION RESOURCES, COMMUNITY GROUPS, WORKSHOPS, SEMINARS...

VETERANS CAREER & EMPLOYMENT - PROVIDES SERVICES TO TRANSITIONING MILITARY MEMBERS THROUGH AN INTENSIVE FOCUS ON EMPLOYMENT VIA TRAINING, EDUCATION RESOURCES, COMMUNITY GROUPS, WORKSHOPS, SEMINARS, AND NETWORKING OPPORTUNITIES THAT HAVE BEEN PROVEN IN FINDING GAINFUL EMPLOYMENT.

Program 2

Expenses: $1,012,018

VETERANS & FAMILY RESOURCE CENTER - MT. CARMEL PROVIDES A VAST ARRAY OF RESOURCES AND ASSISTANCE IN AREAS SUCH AS HOUSING, FINANCIAL COACHING, VA MORTGAGE EDUCATION, AND FINANCING AND LEGAL...

VETERANS & FAMILY RESOURCE CENTER - MT. CARMEL PROVIDES A VAST ARRAY OF RESOURCES AND ASSISTANCE IN AREAS SUCH AS HOUSING, FINANCIAL COACHING, VA MORTGAGE EDUCATION, AND FINANCING AND LEGAL ASSISTANCE.

Program 3

Expenses: $910,942 Revenue: $316,164

WELLNESS & TRANSITION - THROUGH PARTNERSHIPS WITH LOCAL UNIVERSITIES, MT CARMEL OFFERS A RANGE OF COUNSELING SERVICES FOR INDIVIDUAL COUPLES, FAMILIES AND CHILDREN. LIFE COACHING PROVIDES SUPPORT TO INDIVIDUALS WHO DESIRE SIGNIFICANT CHANGE IN THEIR LIVES. YOGA FOR VETERANS OFFERS CLIENTS A WAY FOR ACHIEVING HEALTH WELLNESS AND BALANCE. THE RETURNING MILITARY HEROES PROGRAM PROVIDES COUPLES A THREE-DAY RETREAT TO RELAX FROM THE STRESS OF MILITARY OF LIFE, WHERE THEY CAN ENJOY EACH OTHER'S COMPANY WITHOUT DISTRACTIONS.

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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 $3,912,582

Program Service Revenue $372,334

Investment Income $43,326

Other Revenue $-125,484

TOTAL REVENUE $4,202,758

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,514,129

Fundraising Expenses $458,804

Program Expenses $3,519,416

Other Expenses $1,668,998

TOTAL EXPENSES $4,193,445

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,202,758	$4,136,534	+0.0%
Expenses	$4,193,445	$3,907,068	+0.1%
Net Income	$9,313	$229,466	-1.0%

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

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
GINA M CIMINO	PRESIDENT/TRUSTEE	10.00	Officer Director	$0	$0	$0
GREG GARCIA	TRUSTEE	2.00	Director	$0	$0	$0
DAVE PALENCHAR	TRUSTEE	2.00	Director	$0	$0	$0
TERRANCE MCWILLIAMS	TRUSTEE	2.00	Director	$0	$0	$0
TIM LAMB	TRUSTEE	2.00	Director	$0	$0	$0
ROBERT MCLAUGHLIN	EXECUTIVE DIRECTOR	40.00	Officer	$0	$0	$0
KIMBERLY SHELTON	SECRETARY	2.00	Officer	$0	$0	$0
MARCIA MITCHELL	TREASURER	20.00	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
2025	$4,202,758	$4,193,445	$2,477,325	$9,313
2024	$4,136,534	$3,907,068	$2,586,630	$229,466
2023	$3,406,347	$3,329,136	$2,359,471	$77,211
2022	$3,064,131	$2,723,383	$1,750,141	$340,748
2021	$2,889,202	$2,241,823	$1,381,699	$647,379
2020	$1,867,770	$1,841,615	$705,300	$26,155
2019	$1,693,121	$1,650,050	$798,750	$43,071