SAGINAW RIVER ALLIANCE

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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

JOHN D EDWARDS

Phone

3138499227

Tax Period

2024-01-01 to 2024-12-31

SAGINAW RIVER ALLIANCE, founded in 2005, is a micro nonprofit in the Community Improvement sector that reported $428 in total revenue in fiscal year 2024. Expenses of $2K exceeded revenue, resulting in a 437% operating deficit.

Mission

ALL OTHER ACCOMPLISHMENTS AND INITIAL FEES PAID TO DEVELOP AND MAINTAIN POLICIES AND PROCEDURES IN ACCORDANCE WITH THE HOMELAND SECURITIES DIRECTIVES FOR INTERNATIONAL DOCK FACILIITES. SECURED DREDGE SITE FOR RIVER SPOILS. SITE OWNED BY SAGINAW COUNTY BUT RELATED CONSTRUCTION LOAN IS GUARANTEED BY MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $2,298 Revenue: $428

SERVICES RENDERED

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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 $428

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $428

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,298

Other Expenses $2,298

TOTAL EXPENSES $2,298

Year-over-Year Comparison

	2024	2023	Change
Revenue	$428	N/A	N/A
Expenses	$2,298	$6,377	-0.6%
Net Income	$-1,870	$-6,377	-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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM WEBSTER	PRESIDENT	001.00	Officer Director	$0	$0	$0
JOHN D EDWARDS	TREASURER	001.00	Officer Director	$0	$0	$0
DANIEL MERGENS	DIRECTOR	001.00	Officer Director	$0	$0	$0
RICK KIDD	DIRECTOR	001.00	Officer 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
2024	$428	$2,298	$52,341	$-1,870
2023	No data	$6,377	$54,211	No data
2022	$1	$18,910	$60,588	$-18,909
2021	No data	$33,546	$79,496	No data
2020	No data	$160,656	$113,042	No data
2019	$2,250	$160,657	$273,698	$-158,407
2018	$9,000	$169,657	$432,105	$-160,657