ST MARY'S RIVER WATERSHED ASSOCIAT… - Form 990 Financial Data

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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

2005

Legal Domicile

Principal Officer

BRIAN KULCZYCKI

Tax Period

2025-01-01 to 2025-12-31

ST MARY'S RIVER WATERSHED ASSOCIATION INC, founded in 2005, is a small nonprofit in the Environment sector that reported $301K in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $111K, a strong 37% operating margin.

Mission

TO PROTECT, IMPROVE AND PROMOTE THE SUSTAINABILITY OF THE ST. MARY RIVER WATERSHED THROUGH COLLABORATIVE EFFORTS WITH THE ECONOMIC, ACADEMIC, ENVIRONMENTAL, AGRICULTURAL, HISTORICAL, SOCIAL, CULTURAL, POLITICAL, AND RECREATIONAL STAKEHOLDERS IN THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $116,049 Revenue: $16,971

TO EDUCATE THE PUBLIC AND BRING ATTENTION TO THE VARIOUS WAYS TO PROTECT IMPROVE AND PROMOTE THE WELL BEING OF THE ST. MARYS RIVER THROUGH ADDRESSING MEMBERSHIP AND COMMUNITY, USING FORUMS...

TO EDUCATE THE PUBLIC AND BRING ATTENTION TO THE VARIOUS WAYS TO PROTECT IMPROVE AND PROMOTE THE WELL BEING OF THE ST. MARYS RIVER THROUGH ADDRESSING MEMBERSHIP AND COMMUNITY, USING FORUMS, PUBLICATIONS AND RESEARCH.

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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 $278,542

Program Service Revenue $16,971

Investment Income $5,927

Other Revenue $0

TOTAL REVENUE $301,440

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,668

Fundraising Expenses $17,966

Program Expenses $116,049

Other Expenses $89,446

TOTAL EXPENSES $190,114

Year-over-Year Comparison

	2025	2024	Change
Revenue	$301,440	$247,582	+0.2%
Expenses	$190,114	$142,616	+0.3%
Net Income	$111,326	$104,966	+0.1%

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

693

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

$66,116

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMMA GREEN EWING	EXEC. DIRECTOR	040.00	Officer	$63,080	$3,036	$66,116
JOE ANDERSON	PRESIDENT	001.00	Officer Director	$0	$0	$0
PATRICIA SAMFORD	SECRETARY	001.00	Officer Director	$0	$0	$0
LARRY O'BRIEN	VICE PRESIDENT	001.00	Officer Director	$0	$0	$0
BRIAN KULCZYCKI	TREASURER	001.00	Officer Director	$0	$0	$0
WILLIAM FALLER	DIRECTOR	001.00	Director	$0	$0	$0
BOB PAUL	DIRECTOR	001.00	Director	$0	$0	$0
JOHN SPINICCHIA	DIRECTOR	001.00	Director	$0	$0	$0
ELAINE SZYMKOWIAK	DIRECTOR	001.00	Director	$0	$0	$0
DAVID LEWIS	DIRECTOR	001.00	Director	$0	$0	$0
ELIZABETH PRICE	DIRECTOR	001.00	Director	$0	$0	$0
BARRY MUCHNICK	DIRECTOR	001.00	Director	$0	$0	$0
JOHN GIUSTI	DIRECTOR	001.00	Director	$0	$0	$0
RICK HAMMOND	DIRECTOR	001.00	Director	$0	$0	$0
TONY PAIT	DIRECTOR	001.00	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	$301,440	$190,114	$425,647	$111,326
2024	No data	No data	No data	No data
2024	$247,582	$142,616	$304,508	$104,966

ST MARY'S RIVER WATERSHED ASSOCIATION INC