SAVE THE BAY INC (EIN 050343046) - 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

1970

Legal Domicile

Principal Officer

CHRISTOPHER HAMBLETT

Phone

4012723540

Tax Period

2024-07-01 to 2025-06-30

SAVE THE BAY INC, founded in 1970, is a community nonprofit in the Environment sector that reported $4.9M in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. Expenses of $5.4M exceeded revenue, resulting in a 11% operating deficit.

Mission

SAVE THE BAY PROTECTS, RESTORES, AND IMPROVES THE ECOLOGICAL HEALTH OF THE NARRAGANSETT BAY REGION, INCLUDING ITS WATERSHED AND ADJACENT COASTAL WATERS, THROUGH AN ECOSYSTEM-BASED APPROACH TO ENVIRONMENTAL ACTION; DEFENDS THE RIGHT OF THE PUBLIC TO USE AND ENJOY THE BAY AND ITS SURROUNDING WATERS; AND FOSTERS AN ETHIC OF ENVIRONMENTAL STEWARDSHIP AMONG PEOPLE WHO LIVE IN OR VISIT THE NARRAGANSETT BAY REGION.

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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 $3,355,759

Program Service Revenue $1,224,158

Investment Income $241,394

Other Revenue $73,497

TOTAL REVENUE $4,894,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,628,784

Fundraising Expenses $777,024

Program Expenses $4,484,321

Other Expenses $1,820,424

TOTAL EXPENSES $5,449,208

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,894,808	$5,589,724	-0.1%
Expenses	$5,449,208	$4,699,462	+0.2%
Net Income	$-554,400	$890,262	-1.6%

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

3123

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

$476,577

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE SHUSTER	PRESIDENT	2.00	Officer Director	$0	$0	$0
ROBIN BOSS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
CHRIS LEE	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JOSEPH W CUMMINGS	TREASURER	2.00	Officer Director	$0	$0	$0
KATHY LANPHEAR	SECRETARY	2.00	Officer Director	$0	$0	$0
LISA GOULD	DIRECTOR	1.00	Director	$0	$0	$0
PAM HEFFERNAN	DIRECTOR	1.00	Director	$0	$0	$0
LYNN MANNING	DIRECTOR	1.00	Director	$0	$0	$0
NEIL MARCACCIO	DIRECTOR	1.00	Director	$0	$0	$0
EUGENE MCDERMOTT ESQ	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH MENDENHALL	DIRECTOR	1.00	Director	$0	$0	$0
RUTH MULLEN	DIRECTOR	1.00	Director	$0	$0	$0
DAVE MURRAY	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL NATHANSON	DIRECTOR	1.00	Director	$0	$0	$0
TIM PALMER	DIRECTOR	1.00	Director	$0	$0	$0
LINDA PEARSON	DIRECTOR	1.00	Director	$0	$0	$0
HARRY POTTER	DIRECTOR	1.00	Director	$0	$0	$0
TATIANA RYNERSON	DIRECTOR	1.00	Director	$0	$0	$0
BEN SINGER	DIRECTOR	1.00	Director	$0	$0	$0
SAM SLADE	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT VIERRA	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN FOGARTY	DIRECTOR OF OPERATIONS	35.00	Officer	$146,878	$13,796	$160,674
CHRISTOPHER HAMBLETT	EXECUTIVE DIRECTOR	35.00	Officer	$141,100	$68,267	$209,367
BRIDGET PRESCOTT	DIRECTOR OF EDUCATION	35.00	Officer	$106,130	$406	$106,536

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	$4,894,808	$5,449,208	$19,898,752	$-554,400
2024	$5,589,724	$4,699,462	$20,100,926	$890,262
2023	$5,818,230	$3,854,477	$18,872,484	$1,963,753
2022	$7,530,754	$3,371,579	$15,873,670	$4,159,175
2021	$3,337,180	$2,850,924	$12,260,804	$486,256
2020	$4,223,417	$3,439,409	$11,238,449	$784,008

SAVE THE BAY INC