FOUR TOWNS FORWARD INC

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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

1998

Legal Domicile

Principal Officer

TERESA SCHUNK

Phone

6074355620

Tax Period

2025-01-01 to 2025-12-31

FOUR TOWNS FORWARD INC, founded in 1998, is a small nonprofit in the Community Improvement sector that reported $103K in total revenue in fiscal year 2025. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $19K, a strong 19% operating margin.

Mission

TO PROMOTE ECONOMIC DIVERSIFICATION AND ENHANCE THE QUALITY OF LIFE, POSITIONING THE TRI-COUNTY APEX FOR GROWTH AND PROSPERITY. WE WILL WORK TO RETAIN PEOPLE AND BUSINESS IN THE TRI-TOWN AREA. WE SUPPORT THE TOWNS AND VILLAGES OF AFTON, BAINBRIDGE, SIDNEY, AND UNADILLA THROUGH GRANTS, FUNDRAISING, AND EVENTS. MONIES RAISED THROUGH OUR EVENTS ARE GIVEN BACK TO EACH CHAMBER OF COMMERCE FOR THE BETTERMENT OF THEIR COMMUNITY. THIS ORGANIZATION WORKS FOR INITIATIVES SUCH AS HOUSING, HOMELESSNESS, AND ECONOMIC DEVELOPMENT.

Program Service Accomplishments

Program 1

Expenses: $20,017

TO PROMOTE ECONOMIC DEVELOPMENT AND GROWTH IN THE FOUR TOWNS OF AFTON, BAINBRIDGE, SIDNEY, AND UNADILLA.

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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 $141,560

Program Service Revenue $0

Investment Income $0

Other Revenue $-38,669

TOTAL REVENUE $102,891

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $63,372

Program Expenses $20,017

Other Expenses $83,539

TOTAL EXPENSES $83,539

Year-over-Year Comparison

	2025	2024	Change
Revenue	$102,891	$81,242	+0.3%
Expenses	$83,539	$112,816	-0.3%
Net Income	$19,352	$-31,574	-1.6%

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
RAY BAKER	DIRECTOR	1.00	Director	$0	$0	$0
RONALD BOGERT	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
JACKIE CAREY	TREASURER	3.00	Officer Director	$0	$0	$0
JAKE COTTON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HINMAN	DIRECTOR	1.00	Director	$0	$0	$0
JUDY HINMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN LAWRENCE	DIRECTOR	1.00	Director	$0	$0	$0
DELORES NABINGER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN PAYNE	DIRECTOR	1.00	Director	$0	$0	$0
TERESA SCHUNK	PRESIDENT	3.00	Officer Director	$0	$0	$0
PHIL WADE	DIRECTOR	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	$102,891	$83,539	$64,380	$19,352
2024	No data	No data	No data	No data