Save Popponessett Bay Inc (EIN 042966192) - 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

1987

Legal Domicile

Principal Officer

Michael Moskowitz

Phone

7818210821

Tax Period

2023-01-01 to 2023-12-31

Save Popponessett Bay Inc, founded in 1987, is a small nonprofit that reported $533K in total revenue in fiscal year 2023. Revenue decreased 14% compared to the prior year. Expenses of $665K exceeded revenue, resulting in a 25% operating deficit.

Mission

To keep the waterways in and around Popponesset Bay safe and navigable and to protect the Popponesset Split.

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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 (2023)

Revenue Breakdown

Contributions & Grants $507,562

Program Service Revenue $0

Investment Income $25,007

Other Revenue $0

TOTAL REVENUE $532,569

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $630,931

Other Expenses $665,234

TOTAL EXPENSES $665,234

Year-over-Year Comparison

	2023	2022	Change
Revenue	$532,569	$617,125	-0.1%
Expenses	$665,234	$294,966	+1.3%
Net Income	$-132,665	$322,159	-1.4%

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

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
Caroline Malloy	President	2.00	Officer Director	$0	$0	$0
Michael Moskowitz	Treasurer & Clerk	2.00	Officer Director	$0	$0	$0
Kathy Cramer	Vice President	2.00	Officer Director	$0	$0	$0
Eric Brandt	Director	2.00	Director	$0	$0	$0
John Malloy	Director	2.00	Director	$0	$0	$0
Robert Hughes	Director	2.00	Director	$0	$0	$0
Margie Ross Decter	Director	2.00	Director	$0	$0	$0
Marlene Perkins	Director	2.00	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
2024	No data	No data	No data	No data
2023	$532,569	$665,234	$1,034,969	$-132,665
2022	$617,125	$294,966	$1,167,634	$322,159
2021	$945,472	$539,910	$845,475	$405,562
2020	$625,304	$569,889	$439,913	$55,415
2019	$405,385	$579,876	$384,498	$-174,491
2018	$527,119	$258,787	$558,989	$268,332

Save Popponessett Bay Inc