Cultured Pearl Assoc of America Inc (EIN 131892640) - 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

1957

Legal Domicile

Principal Officer

Aziz Basalely

Phone

5162445011

Tax Period

2020-01-01 to 2020-12-31

Cultured Pearl Assoc of America Inc, founded in 1957, is a small nonprofit that reported $253K in total revenue in fiscal year 2020. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $234K left a modest 8% surplus.

Mission

Promotion of the Pearl Industry

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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 (2020)

Revenue Breakdown

Contributions & Grants $228,558

Program Service Revenue $24,864

Investment Income $13

Other Revenue $0

TOTAL REVENUE $253,435

Expense Breakdown

Grants Paid $0

Salaries & Benefits $85,200

Fundraising Expenses $0

Program Expenses $217,355

Other Expenses $149,015

TOTAL EXPENSES $234,215

Year-over-Year Comparison

	2020	2019	Change
Revenue	$253,435	$324,321	-0.2%
Expenses	$234,215	$308,252	-0.2%
Net Income	$19,220	$16,069	+0.2%

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

$85,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jennifer Heebner	Executive Dir.	40.00	Director	$51,000	$0	$51,000
Kathy Grenier	Marketing Dir	40.00	Director	$34,200	$0	$34,200
Aziz Basalely	President	1.00	Officer Director	$0	$0	$0
Anil Maloo	Vice President	1.00	Officer Director	$0	$0	$0
Jeremy Shepherd	Treasurer	2.00	Officer Director	$0	$0	$0
Richard Blake	Secretary	1.00	Director	$0	$0	$0
Peter Bazar	Director	1.00	Director	$0	$0	$0
Sonny Sethi	Director	1.00	Director	$0	$0	$0
Fran Mastoloni	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
2020	$253,435	$234,215	$152,614	$19,220
2019	$324,321	$308,252	$150,513	$16,069
2018	$263,672	$315,268	$121,398	$-51,596

Cultured Pearl Assoc of America Inc