EPWORTH SENIOR COMMUNITY FOUNDATION C/O STERLING FOUNDATION MANAGEMENT LLC (EIN 931987189) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2023

Legal Domicile

Principal Officer

RUBEN VELASCO

Phone

7034379720

Tax Period

2025-01-01 to 2025-12-31

EPWORTH SENIOR COMMUNITY FOUNDATION C/O STERLING FOUNDATION MANAGEMENT LLC, founded in 2023, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $8.6M in total revenue in fiscal year 2023. The organization ran a surplus of $8.6M, a strong 100% operating margin.

Mission

TO EMPOWER ORGANIZATIONS DEDICATED TO ENHANCING THE WELL-BEING OF OUR SOUTH FLORIDA SENIORS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $14,161,272

Program Service Revenue $0

Investment Income $1,438,093

Other Revenue $0

TOTAL REVENUE $15,599,365

Expense Breakdown

Grants Paid $374,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $437,318

Other Expenses $319,868

TOTAL EXPENSES $693,868

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,599,365	$24,587,462	-0.4%
Expenses	$693,868	$211,220	+2.3%
Net Income	$14,905,497	$24,376,242	-0.4%

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

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
RUBEN VELASCO	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$0	$0
MICHELLE DUNAJ	VICE PRESIDENT/TREASURER/DIRECTOR	1.00	Officer Director	$0	$0	$0
JUDITH OKERSON	SECRETARY/DIRECTOR	1.00	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	$15,599,365	$693,868	$47,846,937	$14,905,497
2024	$24,587,462	$211,220	$32,941,440	$24,376,242
2023	$8,600,757	$35,559	$8,565,198	$8,565,198

EPWORTH SENIOR COMMUNITY FOUNDATION C/O STERLING FOUNDATION MANAGEMENT LLC