OYSTER BAY MAIN STREET ASSOCIATION (EIN 113623349) - 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

2001

Legal Domicile

Principal Officer

Jacqueline Cipolla

Phone

5169226982

Tax Period

2024-09-01 to 2025-08-31

OYSTER BAY MAIN STREET ASSOCIATION, founded in 2001, is a small nonprofit in the Community Improvement sector that reported $426K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $518K exceeded revenue, resulting in a 22% operating deficit.

Mission

The Oyster Bay Main Street Association is a non-profit organization dedicated to creating a healthy economy in an attractive hamlet, while maintaining the downtown's historic integrity. We engage the public and private sectors to revitalize the heart of Oyster Bay through responsible preservation, beautification, community events, educational outreach, and business development.

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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 $344,061

Program Service Revenue $22,869

Investment Income $16

Other Revenue $58,833

TOTAL REVENUE $425,779

Expense Breakdown

Grants Paid $0

Salaries & Benefits $197,861

Fundraising Expenses $60,516

Program Expenses $364,433

Other Expenses $319,745

TOTAL EXPENSES $517,606

Year-over-Year Comparison

	2024	2023	Change
Revenue	$425,779	$389,082	+0.1%
Expenses	$517,606	$443,727	+0.2%
Net Income	$-91,827	$-54,645	+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

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

$79,000

Total Directors

$79,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Meredith Maus	Executive Director terminated Jan 2025	40	Officer Director	$79,000	$0	$79,000
Jaqueline Cipolla	Executive Director as of Jan 2025	40	Officer Director	$0	$0	$0
Sandra Coudert Graham	President	8	Officer Director	$0	$0	$0
John Bonifacio	Vice President	6	Officer Director	$0	$0	$0
Megan Pearson Urdea	Treasurer	3	Officer Director	$0	$0	$0
Frank Soler	Secretary	3	Officer Director	$0	$0	$0
Claude Bahnik	Director	2	Director	$0	$0	$0
Henry Clark	Director	2	Director	$0	$0	$0
Mario Gallo	Director	4	Director	$0	$0	$0
Janine Lizza	Director	2	Director	$0	$0	$0
Richard McKean	Director	4	Director	$0	$0	$0
Diane Meltzer	Director	2	Director	$0	$0	$0
Alexis Pagano	Director	2	Director	$0	$0	$0
Thomas Milana	Director	3	Director	$0	$0	$0
Tracy Clennon	Director	1	Director	$0	$0	$0
Rita Tully	Director	3	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	$425,779	$517,606	$113,356	$-91,827
2024	$389,082	$443,727	$233,639	$-54,645
2023	$313,185	$239,261	$277,290	$73,924
2022	$178,162	$227,841	$138,818	$-49,679
2021	$193,539	$173,340	$180,410	$20,199
2020	$208,433	$209,594	$177,833	$-1,161
2019	$180,600	$176,158	$162,865	$4,442
2018	$299,671	$276,469	$160,503	$23,202

OYSTER BAY MAIN STREET ASSOCIATION