URBANA BUSINESS ASSOCIATION (EIN 203024898) - 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

2005

Legal Domicile

Principal Officer

DARIUS WHITE

Phone

2173443872

Tax Period

2018-07-01 to 2019-06-30

URBANA BUSINESS ASSOCIATION, founded in 2005, is a small nonprofit that reported $140K in total revenue in fiscal year 2018. Revenue fell 44% from the prior year — a significant decline worth monitoring. Expenses of $265K exceeded revenue, resulting in a 89% operating deficit.

Mission

MARKETING AND EVENTS TO PROMOTE THE CITY OF URBANA AND ITS DOWNTOWN AREA

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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 (2018)

Revenue Breakdown

Contributions & Grants $83,723

Program Service Revenue $56,591

Investment Income $10

Other Revenue $0

TOTAL REVENUE $140,324

Expense Breakdown

Grants Paid $0

Salaries & Benefits $89,067

Fundraising Expenses $0

Other Expenses $175,796

TOTAL EXPENSES $264,863

Year-over-Year Comparison

	2018	2017	Change
Revenue	$140,324	$251,145	-0.4%
Expenses	$264,863	$373,707	-0.3%
Net Income	$-124,539	$-122,562	+0.0%

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

450

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

$50,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Libby Horiwitz	MEMBER	1.00	Director	$0	$0	$0
Matthew Cho	MEMBER	1.00	Director	$0	$0	$0
Josh Laskowski	MEMBER	1.00	Director	$0	$0	$0
Maurice Salinas	MEMBER	1.00	Director	$0	$0	$0
Mohammad Al-Heeti	MEMBER	1.00	Director	$0	$0	$0
Chris Lukeman	MEMBER	1.00	Director	$0	$0	$0
Gina Johnson	MEMBER	1.00	Director	$0	$0	$0
Kevin Enhausen	MEMBER	1.00	Director	$0	$0	$0
Paris Baldoratta	FORMER EX DIR	40.00	Officer	$50,000	$0	$50,000
Edith Peacock	VICE CHAIR	1.00	Officer	$0	$0	$0
Jack Wallace	CHAIR	1.00	Officer	$0	$0	$0
Marianne Hartman-Tichenor	Treasurer	1.00	Officer	$0	$0	$0
Fallyn Paruleski	Secretary	1.00	Officer	$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
2019	$140,324	$264,863	$66,351	$-124,539

URBANA BUSINESS ASSOCIATION