Santa Cruz Council on Aging Inc (EIN 860281248) - 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

1982

Legal Domicile

Principal Officer

Jennifer St John

Phone

5202877422

Tax Period

2024-07-01 to 2025-06-30

Santa Cruz Council on Aging Inc, founded in 1982, is a small nonprofit in the Human Services sector that reported $262K in total revenue in fiscal year 2024.

Mission

To improve the quality of life for the elderly community and the Seniors we serve through transportation, nutrition, and referral for social and health services in Santa Cruz County.

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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 $244,093

Program Service Revenue $0

Investment Income $7,643

Other Revenue $9,796

TOTAL REVENUE $261,532

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,417

Fundraising Expenses $0

Program Expenses $217,040

Other Expenses $203,613

TOTAL EXPENSES $259,030

Year-over-Year Comparison

	2024	2023	Change
Revenue	$261,532	$250,548	+0.0%
Expenses	$259,030	$197,096	+0.3%
Net Income	$2,502	$53,452	-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

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
Norma Ahumada	Director	003.00	Director	$0	$0	$0
Irma Bachelor	Director	001.00	Director	$0	$0	$0
Cecilia Kory	Director	004.00	Director	$0	$0	$0
Elvia Rodriguez	Director	001.00	Director	$0	$0	$0
Elsa Willey	Director	004.00	Director	$0	$0	$0
Dr Marcelino Varona Jr	President	020.00	Officer	$0	$0	$0
Dr Arnoldo Montiel	Vice-President	020.00	Officer	$0	$0	$0
Marta Valenzuela	Secretary	020.00	Officer	$0	$0	$0
Jennifer St John	Treasurer	020.00	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	$261,532	$259,030	$193,206	$2,502
2024	$250,548	$197,096	$194,019	$53,452
2023	$212,511	$223,383	$140,567	$-10,872
2021	$313,790	$187,255	$169,656	$126,535

Santa Cruz Council on Aging Inc