SEVENTH WARD CIVIC ASSOCIATION (EIN 237035636) - 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

1965

Legal Domicile

Principal Officer

BRYAN COSTLOW

Phone

8145358881

Tax Period

2024-07-01 to 2025-06-30

SEVENTH WARD CIVIC ASSOCIATION, founded in 1965, is a community nonprofit in the Community Improvement sector that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $1.1M left a modest 14% surplus.

Mission

TO UNITE ALL MEN AND WOMEN WHO ARE RESIDENTS AND/OR BUSINESSPERSONS OF THE SEVENTH WARD, THE CITY OF JOHNSTOWN, COUNTY OF CAMBRIA, COMMONWEALTH OF PENNSYLVANIA, AND THE UNITED STATES OF AMERICA.

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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 $38,620

Program Service Revenue $1,132,357

Investment Income $49,683

Other Revenue $160

TOTAL REVENUE $1,220,820

Expense Breakdown

Grants Paid $0

Salaries & Benefits $599,148

Fundraising Expenses $0

Program Expenses $815,851

Other Expenses $451,280

TOTAL EXPENSES $1,050,428

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,220,820	$1,014,480	+0.2%
Expenses	$1,050,428	$953,551	+0.1%
Net Income	$170,392	$60,929	+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

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

$163,087

Total Directors

$66,742

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL BRAWLEY	MANAGER	46.00	Officer	$84,896	$11,449	$96,345
LORRIE BRAWLEY	TREASURER	43.00	Officer Director	$57,249	$9,493	$66,742
BRYAN COSTLOW	PRESIDENT	1.00	Officer Director	$0	$0	$0
DENICE MICHAELS	SECRETARY	1.00	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
2025	$1,220,820	$1,050,428	$1,473,074	$170,392
2024	$1,014,480	$953,551	$1,307,398	$60,929
2023	$897,042	$820,811	$1,249,423	$76,231
2022	$878,303	$874,458	$1,170,589	$3,845
2021	$1,009,248	$942,233	$1,164,284	$67,015
2020	$1,209,538	$1,029,282	$1,094,337	$180,256
2019	$1,238,298	$1,126,955	$919,414	$111,343

SEVENTH WARD CIVIC ASSOCIATION