GREAT BAY STEWARDS INC (EIN 020482897) - 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

1995

Legal Domicile

Phone

6037780015

Tax Period

2024-01-01 to 2024-12-31

GREAT BAY STEWARDS INC, founded in 1995, is a small nonprofit in the Environment sector that reported $620K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $1.1M exceeded revenue, resulting in a 83% operating deficit.

Mission

EDUCATION, LAND CONSERVATION, RESEARCH

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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 $579,256

Program Service Revenue $20,627

Investment Income $10,039

Other Revenue $10,258

TOTAL REVENUE $620,180

Expense Breakdown

Grants Paid $0

Salaries & Benefits $54,726

Fundraising Expenses $134,520

Program Expenses $494,950

Other Expenses $1,082,229

TOTAL EXPENSES $1,136,955

Year-over-Year Comparison

	2024	2023	Change
Revenue	$620,180	$761,613	-0.2%
Expenses	$1,136,955	$468,824	+1.4%
Net Income	$-516,775	$292,789	-2.8%

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

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

$23,338

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALLISON KNAB	EXECUTIVE DIRECTOR	15.00	Key Emp	$23,338	$0	$23,338
DANA BISBEE	TRUSTEE	1.00	Director	$0	$0	$0
CAROL EATON	TRUSTEE	0.00	Director	$0	$0	$0
PETER KINNER	TRUSTEE	1.00	Director	$0	$0	$0
DENNIS MALLOY	TRUSTEE	0.00	Director	$0	$0	$0
ANDREW SAMONAS	TRUSTEE	0.00	Director	$0	$0	$0
VALERIE SHELTON	TRUSTEE	0.00	Director	$0	$0	$0
DEBORAH ALBERTS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JODI LANDRY	TREASURER	1.00	Officer Director	$0	$0	$0
STEVE PAQUETTE	CHAIR	1.00	Officer Director	$0	$0	$0
JOE STIEGLITZ	SECRETARY	1.00	Officer 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
2024	$620,180	$1,136,955	$825,333	$-516,775
2023	$761,613	$468,824	$1,317,172	$292,789
2022	$394,024	$436,693	$984,560	$-42,669
2021	$150,887	$196,356	$1,053,865	$-45,469
2020	$286,093	$354,624	$1,063,801	$-68,531
2019	$1,291,229	$433,307	$1,063,001	$857,922
2018	$309,082	$286,712	$205,079	$22,370

GREAT BAY STEWARDS INC