CROSS VERMONT TRAIL ASSOCATION INC (EIN 030363125) - 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

1999

Legal Domicile

Principal Officer

GREG WESTERN

Phone

8024980079

Tax Period

2024-07-01 to 2025-06-30

CROSS VERMONT TRAIL ASSOCATION INC, founded in 1999, is a small nonprofit in the Environment sector that reported $103K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $117K exceeded revenue, resulting in a 14% operating deficit.

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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 $99,129

Program Service Revenue $0

Investment Income $3,584

Other Revenue $0

TOTAL REVENUE $102,713

Expense Breakdown

Grants Paid $0

Salaries & Benefits $37,156

Fundraising Expenses $3,213

Program Expenses $96,786

Other Expenses $80,089

TOTAL EXPENSES $117,245

Year-over-Year Comparison

	2024	2023	Change
Revenue	$102,713	$90,949	+0.1%
Expenses	$117,245	$89,000	+0.3%
Net Income	$-14,532	$1,949	-8.5%

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

$32,625

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG WESTERN	EXECUTIVE DIRECTOR	24.00	Officer	$32,625	$0	$32,625
BEN ROSE	DIRECTOR	1.00	Director	$0	$0	$0
CRAIG WHIPPLE	DIRECTOR	1.00	Director	$0	$0	$0
PATTY GIAVARA	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL NAHMIAS	DIRECTOR	1.00	Director	$0	$0	$0
VICKI ZION	DIRECTOR	1.00	Director	$0	$0	$0
NANCY EVERHART	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROSE PAUL	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL THOMAS	CHAIR	1.00	Officer Director	$0	$0	$0
DAWN ANDERSON	TREASURER	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
2025	$102,713	$117,245	$209,666	$-14,532
2024	No data	No data	No data	No data
2023	$155,037	$157,668	$225,465	$-2,631
2022	$956,963	$1,035,621	$254,582	$-78,658
2021	$563,941	$626,284	$534,574	$-62,343

CROSS VERMONT TRAIL ASSOCATION INC