CEDAR SKYLINE CORP D/B/A MAIN STREET WATERLOO (EIN 237125291) - 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

1996

Legal Domicile

Principal Officer

JESSICA RUCKER

Phone

3192912038

Tax Period

2023-01-01 to 2023-12-31

CEDAR SKYLINE CORP D/B/A MAIN STREET WATERLOO, founded in 1996, is a small nonprofit in the Community Improvement sector that reported $257K in total revenue in fiscal year 2023. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $294K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO STRENGTHEN THE OVERALL SOCIAL AND ECONOMIC HEALTH OF THE WATERLOO DOWNTOWN BUSINESS DISTRICT.

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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 $150,314

Program Service Revenue $86,513

Investment Income $359

Other Revenue $19,540

TOTAL REVENUE $256,726

Expense Breakdown

Grants Paid $6,100

Salaries & Benefits $85,489

Fundraising Expenses $0

Other Expenses $202,660

TOTAL EXPENSES $294,249

Year-over-Year Comparison

	2023	2022	Change
Revenue	$256,726	$358,867	-0.3%
Expenses	$294,249	$369,222	-0.2%
Net Income	$-37,523	$-10,355	+2.6%

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

539

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

$63,240

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAMANTHA MEIER	PRESIDENT	1.50	Officer Director	$0	$0	$0
ZACH HANSEN	PAST PRESIDENT	1.50	Officer Director	$0	$0	$0
STAR RUPE	VICE PRESIDENT	1.50	Officer Director	$0	$0	$0
DANIEL JANSEN	TREASURER	1.50	Officer Director	$0	$0	$0
DAVID DEEDS	DIRECTOR	0.20	Director	$0	$0	$0
BRENDON WAGNER	DIRECTOR	0.20	Director	$0	$0	$0
IVAN VALTCHEV	DIRECTOR	0.20	Director	$0	$0	$0
BAILEY MOORE	DIRECTOR	0.20	Director	$0	$0	$0
MARK IEHL	DIRECTOR	0.20	Director	$0	$0	$0
BRANDON ALVARADO	DIRECTOR	0.20	Director	$0	$0	$0
JEANNE MILLER	DIRECTOR	0.20	Director	$0	$0	$0
MICHAEL HUISMAN	DIRECTOR	0.20	Director	$0	$0	$0
NICK HEDRICK	DIRECTOR	0.20	Director	$0	$0	$0
JESSICA RUCKER	EXECUTIVE DIRECTOR	30.00	Officer	$59,578	$3,662	$63,240

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	$256,726	$294,249	$121,758	$-37,523
2022	$358,867	$369,222	$171,498	$-10,355
2021	$304,015	$311,916	$193,672	$-7,901
2020	$185,768	$135,194	$213,041	$50,574
2019	$286,850	$271,989	$170,673	$14,861
2018	$289,829	$274,797	$164,091	$15,032

CEDAR SKYLINE CORP D/B/A MAIN STREET WATERLOO