Bell Island Improvement Association Inc (EIN 061308295) - 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

1909

Legal Domicile

Principal Officer

Michael S Madigan

Phone

2038528020

Tax Period

2025-01-01 to 2025-12-31

Bell Island Improvement Association Inc, founded in 1909, is a small nonprofit in the Recreation & Sports sector that reported $121K in total revenue in fiscal year 2025. Revenue fell 44% from the prior year — a significant decline worth monitoring. Expenses of $110K left a modest 9% surplus.

Mission

Homeowners community property and social association

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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 $112,930

Program Service Revenue $0

Investment Income $7,666

Other Revenue $0

TOTAL REVENUE $120,596

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $98,588

Other Expenses $110,002

TOTAL EXPENSES $110,002

Year-over-Year Comparison

	2025	2024	Change
Revenue	$120,596	$216,417	-0.4%
Expenses	$110,002	$127,907	-0.1%
Net Income	$10,594	$88,510	-0.9%

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

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
Carrie Fowler	Co-President	4.00	Officer	$0	$0	$0
Frank Nash	Co-President	4.00	Officer	$0	$0	$0
Michael Madigan	Treasurer	4.00	Officer	$0	$0	$0
Kerry O'Mahony	Secretary	4.00	Officer	$0	$0	$0
Kate Brame	Director	1.00	Director	$0	$0	$0
Ed Kweskin	Director	1.00	Director	$0	$0	$0
Jose Cara	Director	1.00	Director	$0	$0	$0
Adam Derrick	Director	1.00	Director	$0	$0	$0
Jeremy Blum	Director	1.00	Director	$0	$0	$0
Rob Grinn	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	$120,596	$110,002	$519,487	$10,594
2024	$216,417	$127,907	$508,174	$88,510

Bell Island Improvement Association Inc