New Opportunities for Living (EIN 954253162) - 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

1990

Legal Domicile

Phone

8187810360

Tax Period

2023-07-01 to 2024-06-30

New Opportunities for Living, founded in 1990, is a micro nonprofit that reported $90K in total revenue in fiscal year 2023. Expenses of $87K left a modest 4% surplus.

Mission

See Form 990, Part III, Line 4a

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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 (2023)

Revenue Breakdown

Contributions & Grants $89,853

Program Service Revenue $0

Investment Income $20

Other Revenue $0

TOTAL REVENUE $89,873

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $62,192

Other Expenses $86,662

TOTAL EXPENSES $86,662

Year-over-Year Comparison

	2023	2022	Change
Revenue	$89,873	$92,094	0.0%
Expenses	$86,662	$94,527	-0.1%
Net Income	$3,211	$-2,433	-2.3%

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

$3,362,497

Total Directors

$3,362,497

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Barbara Firestone PhD	President & CEO	1.00	Officer Director	$0	$31,801	$2,184,638
Susan Berman PhD	Pres&CEOFr10/23	1.00	Officer Director	$0	$52,392	$898,332
Michael Love	Sr. VP of Finance (Thru 1/23)	1.00		$0	$1,269	$304,737
Oscar Valadez	CFO	1.00	Officer Director	$0	$23,291	$279,527
Gary H Carmona	Dir./ Chairman	1.00	Officer Director	$0	$0	$0
Meyer Berk	Vice President	1.00	Officer Director	$0	$0	$0
Gerald Rosenblatt	Secretary/Treas	1.00	Officer Director	$0	$0	$0
Jack Herschorn	Director	1.00	Director	$0	$0	$0
David Firestone DDS	Dir.(Thru10/23)	1.00	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	No data	No data	No data	No data
2024	$89,873	$86,662	$369,911	$3,211
2023	$92,094	$94,527	$361,428	$-2,433
2022	$102,563	$122,060	$360,100	$-19,497
2021	$92,661	$101,539	$374,784	$-8,878
2020	$86,499	$99,566	$371,084	$-13,067
2019	$89,592	$110,119	$370,820	$-20,527
2018	$87,260	$121,260	$382,744	$-34,000

New Opportunities for Living