WHITEWATER CANAL BYWAY ASSOCIATION INC (EIN 261395588) - 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

2007

Legal Domicile

Principal Officer

Ron Yurcak

Phone

7656985972

Tax Period

2023-01-01 to 2023-12-31

WHITEWATER CANAL BYWAY ASSOCIATION INC, founded in 2007, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $87K in total revenue in fiscal year 2023. Revenue surged 84% from the prior year, signaling strong growth momentum. The organization ran a surplus of $40K, a strong 46% operating margin.

Mission

Promotion of tourism, economic development and activity in the Whitewater Valley in southeast Indiana. National designated area for scenic byways in five Indiana counties.

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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 $60,715

Program Service Revenue $0

Investment Income $0

Other Revenue $26,405

TOTAL REVENUE $87,120

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $6,817

Other Expenses $46,782

TOTAL EXPENSES $46,782

Year-over-Year Comparison

	2023	2022	Change
Revenue	$87,120	$47,446	+0.8%
Expenses	$46,782	$49,609	-0.1%
Net Income	$40,338	$-2,163	-19.6%

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

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
Candy Yurcak	Director	30	Director	$0	$0	$0
David Cook	Director	2	Director	$0	$0	$0
Cassie Garrett	Director	3	Director	$0	$0	$0
Joann Kich	Director	3	Director	$0	$0	$0
Dwayne Nichols	Director	2	Director	$0	$0	$0
Barbara Vonderheide	Director	2	Director	$0	$0	$0
William Smith	Director	2	Director	$0	$0	$0
Ronald Yurcak	President	30	Officer	$0	$0	$0
Cathy Vandivier	Secretary	10	Officer	$0	$0	$0
Thomas Horninger	Treasurer	3	Officer	$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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$87,120	$46,782	$552,483	$40,338
2022	$47,446	$51,694	$503,787	$-4,248
2021	$40,826	$49,609	$507,431	$-8,783

WHITEWATER CANAL BYWAY ASSOCIATION INC