Liabilities / Assets
65th percentile
Higher debt load relative to assets than 65% of similar nonprofits.
EIN 03-0292982 • 501(c)3 • Ludlow, VT
Profile
A place for seniors to gather for meals and socialization.
Refreshing map…
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
65th percentile
Higher debt load relative to assets than 65% of similar nonprofits.
Liabilities / Revenue
74th percentile
Higher debt load relative to revenue than 74% of similar nonprofits.
Net Margin
30th percentile
Higher net margin than 30% of similar nonprofits.
Top Officer Pay
81st percentile
Higher top officer pay than 81% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
49th percentile
Faster asset growth than 49% of similar nonprofits.
Revenue Growth
35th percentile
Faster revenue growth than 35% of similar nonprofits.
Assets
Down$392,806
Down $11,272 (-2.8%) from 2024
Liabilities
Up$2,432
Up $43 (+1.8%) from 2024
Net Assets
Down$390,374
Down $11,315 (-2.8%) from 2024
Revenue
Down$103,661
Down $22,272 (-18%) from 2024
Expenses
Down$114,976
Down $8,003 (-6.5%) from 2024
Net Income
Down-$11,315
Down $14,269 (-483%) from 2024
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
A place for seniors to gather for meals and socialization
A place for seniors to gather for meals and socialization.
| Description | Grants | Expenses |
|---|---|---|
| Nutritional transportation. Social services and enrichment activities for individuals age 60 and older. | - | $34,067 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Mary Jane Cratty | Director | - | $0 | - | - |
| Sandy Johnson | Secretary | - | $0 | - | - |
| Isabel Montgomery | President | - | $0 | - | - |
| John Murphy Jr | Vice President | - | $0 | - | - |
| Debra Norton | Director | - | $0 | - | - |
| Frank Provance Jr | Director | - | $0 | - | - |
| Jean Strong | Treasurer | PT | $0 | - | - |
| Warren Taylor | Director | - | $0 | - | - |
| Diana Ladden | Director | - | $0 | - | - |
“Office Expenses $2348”
“Information Technology $1808”
“Depreciation $5088”
“Insurance $1769”
“Meal costs $34067”
“Activities for seniors $3555”
“Annual Appeal $1462”
“Furniture and Fixtures - Beginning $5238 Furniture and Fixtures - Ending $4227”
“Accounts Receivable - Beginning $19000 Accounts Receivable - Ending $19000”
“Accounts Payable and Accrued Expenses - Beginning $2389 Accounts Payable and Accrued Expenses - Ending $2432”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | Jean Strong |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 8027797132 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 10 High Street |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | Ludlow |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | VT |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 05149 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 298511 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 292327 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 71132 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -11315 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 2240 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 404078 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 392806 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 103661 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 15 |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 81329 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 77252 |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 401689 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 390374 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 401689 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 390374 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 16682 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 3.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 3.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 4.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 3.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 10.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 3.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | Mary Jane Cratty |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | Sandy Johnson |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | Isabel Montgomery |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | John Murphy Jr |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | Debra Norton |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | Frank Provance Jr |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | Jean Strong |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | Warren Taylor |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | Diana Ladden |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | Secretary |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | President |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | Vice President |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | Treasurer |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | Director |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 24238 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 23227 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 50097 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | A place for seniors to gather for meals and socialization. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 32514 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | Nutritional transportation. Social services and enrichment activities for individuals age 60 and older. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 34067 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 45957 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 2389 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 2432 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 114976 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 34067 |
| IRS990EZ/TotalRevenueAmt | 0 | 103661 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 71132 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 59249 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 94272 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 126130 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 161699 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 512482 |
| IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 15 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 2439 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 2439 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 2422 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 4021 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 11336 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.97840 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.97220 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 512482 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 0 |
| IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 71132 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 59249 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 94272 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 126130 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 161699 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 512482 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 523818 |
| IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Office Expenses $2348 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Information Technology $1808 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Depreciation $5088 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Insurance $1769 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Meal costs $34067 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Activities for seniors $3555 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Annual Appeal $1462 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Furniture and Fixtures - Beginning $5238 Furniture and Fixtures - Ending $4227 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Accounts Receivable - Beginning $19000 Accounts Receivable - Ending $19000 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Accounts Payable and Accrued Expenses - Beginning $2389 Accounts Payable and Accrued Expenses - Ending $2432 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Other Expenses.1002 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Other Expenses.1003 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Other Expenses.1009 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Other Expenses.1012 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Other Expenses.1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Other Expenses.2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Other Expenses.3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Other Assets.1002 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Other Assets.1005 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Total Liabilities.1001 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Jean Strong |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Treasurer |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-02-03 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Black River Valley Senior Center |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | BLAC |
| ReturnHeader/Filer/EIN | 0 | 030292982 |
| ReturnHeader/Filer/PhoneNum | 0 | 8027797132 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 10 High Street |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Ludlow |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | VT |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 05149 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 852608271 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Katherine Benson CPA PLLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | PO Box 29 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Chester |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | VT |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 05143 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8028759696 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Katherine Benson |
| ReturnHeader/PreparerPersonGrp/SelfEmployedInd | 0 | X |
| ReturnHeader/ReturnTs | 0 | 2026-02-03T10:42:55-08:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-10-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-09-30 |
| ReturnHeader/TaxYr | 0 | 2024 |
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