COOPER CREEK SQUARE MERCHANT'S ASSOCIATION (EIN 043763688) - 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

2003

Legal Domicile

Principal Officer

CHARLIE JOHNSON

Phone

9705311922

Tax Period

2025-01-01 to 2025-12-31

COOPER CREEK SQUARE MERCHANT'S ASSOCIATION, founded in 2003, is a small nonprofit in the Community Improvement sector that reported $242K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $227K left a modest 6% surplus.

Mission

COOPER CREEK SQUARE MERCHANT'S ASSOCIATION CONTINUED TO PERFORM ITS FUNCTION AND PROVIDE SERVICES

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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 $0

Program Service Revenue $242,325

Investment Income $69

Other Revenue $0

TOTAL REVENUE $242,394

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $227,217

Other Expenses $227,217

TOTAL EXPENSES $227,217

Year-over-Year Comparison

	2025	2024	Change
Revenue	$242,394	$259,993	-0.1%
Expenses	$227,217	$214,853	+0.1%
Net Income	$15,177	$45,140	-0.7%

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

N/A

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
TOM CALDWELL	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE CAREY	DIRECTOR	1.00	Director	$0	$0	$0
KATHY JAMESON	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
PETER LADUE	DIRECTOR	1.00	Director	$0	$0	$0
MIRIAM ROSKAM	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	$242,394	$227,217	$90,863	$15,177
2024	$259,999	$214,853	$55,379	$45,146
2023	$237,016	$201,004	$15,123	$36,012
2022	$208,597	$230,773	$3,699	$-22,176
2021	$231,674	$213,746	$5,209	$17,928

COOPER CREEK SQUARE MERCHANT'S ASSOCIATION