ROSEMARY BEACH TOWN CENTER MERCHANT'S ASSOCIATION INC (EIN 204918452) - 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

2006

Legal Domicile

Principal Officer

ELAINE ASHMAN

Phone

8502782017

Tax Period

2025-01-01 to 2025-12-31

ROSEMARY BEACH TOWN CENTER MERCHANT'S ASSOCIATION INC, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $898K in total revenue in fiscal year 2025. The organization ran a surplus of $263K, a strong 29% operating margin.

Mission

TO PROMOTE AND DRAW VISITORS TO THE TOWN CENTER BUSINESSES.

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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 $886,932

Program Service Revenue $0

Investment Income $11,985

Other Revenue $-1,369

TOTAL REVENUE $897,548

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $104,010

Fundraising Expenses $0

Other Expenses $526,874

TOTAL EXPENSES $634,884

Year-over-Year Comparison

	2025	2024	Change
Revenue	$897,548	$852,413	+0.1%
Expenses	$634,884	$751,213	-0.2%
Net Income	$262,664	$101,200	+1.6%

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

Total Directors

$86,825

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSICA STANDLEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
PAIGE SCHNELL	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
KYLE DAVIS	SECRETARY	2.00	Officer Director	$0	$0	$0
DIANE BRADLEY	TREASURER	2.00	Officer Director	$0	$0	$0
TIM SHADBURN	DIRECTOR/POA REPRESENATIVE	2.00	Director	$0	$0	$0
ELAINE ASHMAN	EXECUTIVE DIRECTOR	40.00	Director	$86,825	$0	$86,825

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	$897,548	$634,884	$1,255,928	$262,664
2024	$852,413	$751,213	$988,536	$101,200
2023	$870,700	$846,126	$890,463	$24,574
2022	$786,760	$681,255	$863,289	$105,505
2021	$967,794	$639,022	$760,058	$328,772
2020	$603,607	$403,358	$449,523	$200,249
2019	$565,747	$513,624	$228,236	$52,123
2018	$533,149	$425,663	$176,871	$107,486

ROSEMARY BEACH TOWN CENTER MERCHANT'S ASSOCIATION INC