PANORAMA (EIN 943048988) - 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

1964

Legal Domicile

Principal Officer

CHARLES W STRADER

Phone

3604560111

Tax Period

2024-08-01 to 2025-07-31

PANORAMA, founded in 1964, is a mid-sized nonprofit in the Human Services sector that reported $65.3M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $59.4M left a modest 9% surplus.

Mission

TO ENCOURAGE AND ENRICH THE LIVES OF INDIVIDUALS WHO CHOOSE TO MAKE PANORAMA THEIR HOME.

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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 $515,076

Program Service Revenue $63,053,316

Investment Income $1,396,249

Other Revenue $326,740

TOTAL REVENUE $65,291,381

Expense Breakdown

Grants Paid $432,344

Salaries & Benefits $29,905,329

Fundraising Expenses $207,222

Program Expenses $53,020,732

Other Expenses $29,069,311

TOTAL EXPENSES $59,406,984

Year-over-Year Comparison

	2024	2023	Change
Revenue	$65,291,381	$57,004,885	+0.1%
Expenses	$59,406,984	$55,050,052	+0.1%
Net Income	$5,884,397	$1,954,833	+2.0%

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

488

Volunteers

400

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

$1,640,097

Total Directors

$297,200

Key Employees

$303,433

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED GOLDBERG	CHAIRMAN	2.00	Officer Director	$36,000	$0	$36,000
WILLIAM A GAVIN MD	CO-VICE CHAIRMAN	2.00	Officer Director	$36,000	$0	$36,000
DARYL JENSEN	CO-VICE CHAIRMAN	2.00	Officer Director	$36,000	$0	$36,000
DALE K HEDDEN	DIRECTOR	2.00	Director	$32,400	$0	$32,400
KATHRYN GAIL MADDEN	DIRECTOR	2.00	Director	$32,400	$0	$32,400
DOUGLAS MAH	DIRECTOR	2.00	Director	$32,400	$0	$32,400
NANCY H MASON	DIRECTOR	2.00	Director	$32,400	$0	$32,400
RALPH MUNRO	DIRECTOR (UNTIL 11/30/2024)	2.00	Director	$27,200	$0	$27,200
JUDY MURPHY	DIRECTOR	2.00	Director	$32,400	$0	$32,400
CHARLES W STRADER	CEO, CFO & TREASURER	40.00	Officer	$606,600	$101,956	$708,556
JACKLYNN ROBERTS	EXECUTIVE ASSISTANT & SECRETARY	40.00	Officer	$93,602	$22,193	$115,795
MATTHEW MURRY	PRESIDENT & COO	40.00	Officer	$604,009	$103,737	$707,746
DENNIS WILKERSON	CNR ADMINISTRATOR	40.00	Key Emp	$274,644	$28,789	$303,433
CYNTHIA MCKRILL	CONTROLLER	40.00	Highest	$258,494	$41,217	$299,711
KIMBERLY THORPE	RETIREMENT ADVISOR	40.00	Highest	$251,435	$18,254	$269,689
LISA ZVIRZDYS	RETIREMENT ADVISOR	40.00	Highest	$228,461	$29,048	$257,509
JILLIAN HUENTELMAN	DIRECTOR OF MARKETING	40.00	Highest	$225,834	$27,140	$252,974
SHAWNA WILLIAMS	DIRECTOR OF HUMAN RESOURCES	40.00	Highest	$221,255	$27,237	$248,492

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	$65,291,381	$59,406,984	$240,239,143	$5,884,397
2024	$57,004,885	$55,050,052	$233,516,728	$1,954,833
2023	$54,479,759	$49,480,293	$227,546,047	$4,999,466
2022	$47,071,330	$46,370,769	$219,048,634	$700,561
2021	$52,413,806	$46,453,010	$219,753,864	$5,960,796
2020	$51,071,700	$46,640,088	$215,590,948	$4,431,612
2019	$49,267,867	$45,281,847	$208,532,229	$3,986,020
2018	$48,515,872	$43,110,764	$204,018,411	$5,405,108

PANORAMA