Seward Senior Citizens Inc (EIN 920072425) - 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

1978

Legal Domicile

Principal Officer

Dana Paperman

Phone

9072245604

Tax Period

2022-07-01 to 2023-06-30

Seward Senior Citizens Inc, founded in 1978, is a small nonprofit that reported $489K in total revenue in fiscal year 2022. Expenses of $440K left a modest 10% surplus.

Mission

To identify and assist seniors in maintaining independent living and provide social recreation.

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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 $478,533

Program Service Revenue $5,038

Investment Income $5,895

Other Revenue $0

TOTAL REVENUE $489,466

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,084

Fundraising Expenses $8,288

Program Expenses $388,893

Other Expenses $251,067

TOTAL EXPENSES $440,151

Year-over-Year Comparison

	2022	2021	Change
Revenue	$489,466	$462,281	+0.1%
Expenses	$440,151	$559,263	-0.2%
Net Income	$49,315	$-96,982	-1.5%

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

$65,187

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sharon Stevens-Ganser	Secretary/Treasurer	0.50	Officer Director	$0	$0	$0
Frances Azzad-Smith	Chair	0.50	Officer Director	$0	$0	$0
Linda Amberg	Board Member	0.50	Director	$0	$0	$0
Carol Souza	Board Member	0.50	Director	$0	$0	$0
Randy Nabb	Board Member	0.50	Director	$0	$0	$0
JJ Kaiser	Board Member	0.50	Director	$0	$0	$0
Rhonda Spurr	Vice Chair	0.50	Officer Director	$0	$0	$0
Valerie Rose	Board Member	0.50	Director	$0	$0	$0
Angie Duncan	Board Member	0.50	Director	$0	$0	$0
Dana Paperman	Executive Director	40.00	Officer	$65,187	$0	$65,187

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$489,466	$440,151	$447,115	$49,315
2022	$462,281	$559,263	$540,188	$-96,982
2021	$522,283	$452,101	$620,545	$70,182
2020	$400,988	$417,169	$435,622	$-16,181
2019	$340,898	$320,007	$444,697	$20,891

Seward Senior Citizens Inc