BERGEN SAVE THE WATERSHED ACTION NETWORK INC (EIN 222957403) - 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

1988

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

BERGEN SAVE THE WATERSHED ACTION NETWORK INC, founded in 1988, is a micro nonprofit in the Environment sector that reported $263 in total revenue in fiscal year 2023. Revenue fell 92% from the prior year — a significant decline worth monitoring. Expenses of $4K exceeded revenue, resulting in a 1405% operating deficit.

Mission

Bergen SWAN works to protect and safeguard the reservoir region of the Upper Hackensack River Watershed and adjoining areas by advocating, teaching, and realizing open space preservation, good ecological stewardship practices, and environmental restoration.

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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 (2023)

Revenue Breakdown

Contributions & Grants $225

Program Service Revenue $0

Investment Income $38

Other Revenue $0

TOTAL REVENUE $263

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $3,958

TOTAL EXPENSES $3,958

Year-over-Year Comparison

	2023	2022	Change
Revenue	$263	$3,100	-0.9%
Expenses	$3,958	$4,439	-0.1%
Net Income	$-3,695	$-1,339	+1.8%

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

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
Lori Charkey	Executive Director	20.00	Director	$0	$0	$0
Larry Kuttner	Vice President	0.50	Officer Director	$0	$0	$0
Renee Mure	Treasurer	0.50	Officer Director	$0	$0	$0
Peter Ardito	Secretary	5.00	Key Emp	$0	$0	$0
Barton Knight	President	10.00	Key Emp	$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	No data	No data	No data	No data
2023	$263	$3,958	$63,541	$-3,695
2022	$3,100	$4,439	$67,236	$-1,339
2021	$7,350	$3,051	$69,052	$4,299
2020	$150,529	$152,021	$64,753	$-1,492
2019	$2,112	$2,716	$66,245	$-604
2018	$4,754	$10,738	$66,849	$-5,984

BERGEN SAVE THE WATERSHED ACTION NETWORK INC