Stowe Area Association 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

1959

Legal Domicile

Principal Officer

Gregory Farnham

Phone

8026350481

Tax Period

2024-05-01 to 2025-04-30

Stowe Area Association Inc, founded in 1959, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024.

Mission

Promoting recreational and business activities in the Stowe area for the benefit of its members.

Program Service Accomplishments

Program 1

Expenses: $837,854 Revenue: $939,070

Promoting recreational and business activities in the Stowe area for the benefit of its members.

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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 $49,670

Program Service Revenue $939,070

Investment Income $0

Other Revenue $57,862

TOTAL REVENUE $1,046,602

Expense Breakdown

Grants Paid $0

Salaries & Benefits $521,542

Fundraising Expenses $0

Program Expenses $837,854

Other Expenses $515,289

TOTAL EXPENSES $1,036,831

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,046,602	$993,734	+0.1%
Expenses	$1,036,831	$978,932	+0.1%
Net Income	$9,771	$14,802	-0.3%

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

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

$111,804

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Carrie Simmons	Executive Director	040.00	Officer	$105,477	$6,327	$111,804
Josh Wolfgang	President	001.00	Officer Director	$0	$0	$0
Olivia Terrazzano	Vice President	001.00	Officer Director	$0	$0	$0
Laura Vilala	Treasurer	001.00	Officer Director	$0	$0	$0
Walter Frame	Secretary	001.00	Officer Director	$0	$0	$0
Mark Frier left during FY25	Trustee	001.00	Director	$0	$0	$0
David Lockard	Trustee	001.00	Director	$0	$0	$0
Rachel Vandenberg	Trustee	001.00	Director	$0	$0	$0
Luke Sussdorff	Trustee	001.00	Director	$0	$0	$0
Bruce Nourjian left during FY25	Trustee	001.00	Director	$0	$0	$0
McKee Macdonald	Trustee	001.00	Director	$0	$0	$0
Chris Belanger	Trustee	001.00	Director	$0	$0	$0
Denise Earley	Trustee	001.00	Director	$0	$0	$0
Linda Hunter left during FY25	Trustee	001.00	Director	$0	$0	$0
Jon Smith	Trustee	001.00	Director	$0	$0	$0
Alison Karosas	Trustee	001.00	Director	$0	$0	$0
Kate Carpenter	Trustee	001.00	Director	$0	$0	$0
Jed Harris	Trustee	001.00	Director	$0	$0	$0
Michael Marrano	Trustee	001.00	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	$1,046,602	$1,036,831	$1,090,155	$9,771
2024	$993,734	$978,932	$1,174,388	$14,802
2023	$498,788	$516,359	$885,799	$-17,571