MILLERSBURG FERRY BOAT ASSOCIATION

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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

1990

Legal Domicile

Principal Officer

DAVID RUSSELL

Phone

7176922442

Tax Period

2024-03-01 to 2025-02-28

MILLERSBURG FERRY BOAT ASSOCIATION, founded in 1990, is a small nonprofit in the Arts, Culture & Humanities sector that reported $318K in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $149K, a strong 47% operating margin.

Mission

OPERATION AND MAINTENANCE OF HISTORIC STERNWHEEL FERRY ON THE SUSQUEHANNA RIVER MAINTENANCE OF THE FERRY WALL IN THE RIVER

Program Service Accomplishments

Program 1

Expenses: $139,931 Revenue: $318,413

OPERATION OF THE FERRY MAINTAIN FERRY WALL

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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 $245,805

Program Service Revenue $37,764

Investment Income $21,643

Other Revenue $13,201

TOTAL REVENUE $318,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,405

Fundraising Expenses $234

Program Expenses $139,931

Other Expenses $114,049

TOTAL EXPENSES $169,454

Year-over-Year Comparison

	2024	2023	Change
Revenue	$318,413	$256,772	+0.2%
Expenses	$169,454	$208,145	-0.2%
Net Income	$148,959	$48,627	+2.1%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID RUSSELL	PRESIDENT	N/A	Officer Director	$0	$0	$0
MICHAEL MAIDEN	VICE PRESIDENT	N/A	Officer Director	$0	$0	$0
JOSEPH STEPPY	SECRETARY	N/A	Officer Director	$0	$0	$0
SHAWN COLEMAN	TREASURER	N/A	Officer Director	$0	$0	$0
DAVE MONGOLD	DIRECTOR	N/A	Director	$0	$0	$0
DEAN RILAND	DIRECTOR	N/A	Director	$0	$0	$0
DEAN SPOTTS	DIRECTOR	N/A	Director	$0	$0	$0
ERIK BOLIG	DIRECTOR	N/A	Director	$0	$0	$0
MICHAEL WILLARD	DIRECTOR	N/A		$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	$318,413	$169,454	$589,294	$148,959
2024	$256,772	$208,145	$420,511	$48,627
2023	$202,727	$203,071	$360,833	$-344
2022	$413,089	$141,880	$360,815	$271,209