Salt Bay Chamberfest

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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

2000

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

Salt Bay Chamberfest, founded in 2000, is a small nonprofit in the Arts, Culture & Humanities sector that reported $640K in total revenue in fiscal year 2025. Revenue surged 158% from the prior year, signaling strong growth momentum. The organization ran a surplus of $362K, a strong 57% operating margin.

Mission

To enrich the cultural life of midcoast maine by producing musical concerts of the highest artistic level.

Program Service Accomplishments

Program 1

Expenses: $277,611

Presented live chamber music performances as well as music education programs for children.

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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 (2025)

Revenue Breakdown

Contributions & Grants $333,817

Program Service Revenue $0

Investment Income $306,183

Other Revenue $0

TOTAL REVENUE $640,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $91,427

Fundraising Expenses $0

Program Expenses $277,611

Other Expenses $186,184

TOTAL EXPENSES $277,611

Year-over-Year Comparison

	2025	2024	Change
Revenue	$640,000	$248,067	+1.6%
Expenses	$277,611	$228,701	+0.2%
Net Income	$362,389	$19,366	+17.7%

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

N/A

Employees

N/A

Volunteers

N/A

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
Wilhelmina Smith	Board Member	40.00	Director	$0	$0	$0
Stuart Eisenberg	Board Member	0.00	Director	$0	$0	$0
Gail Fels	Board Member	0.00	Director	$0	$0	$0
Diana Morris	President	0.00	Director	$0	$0	$0
Traci Sumner	Board Member	0.00	Director	$0	$0	$0
Robert Sweet JR	Vice President	0.00	Director	$0	$0	$0
David Wolfsohn	Secretary	0.00	Director	$0	$0	$0
Robert J Nelson	Treasurer	0.00	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	$640,000	$277,611	$588,083	$362,389
2024	$248,067	$228,701	$322,278	$19,366
2023	$214,917	$202,378	$296,797	$12,539