RIDGE HIGH SCHOOL BAND 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

2010

Legal Domicile

Principal Officer

NANCY KREGER

Phone

9082042585

Tax Period

2025-01-01 to 2025-12-31

RIDGE HIGH SCHOOL BAND ASSOCIATION, founded in 2010, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $35K in total revenue in fiscal year 2025. Net assets of $112K represent 38 months of operating reserves.

Mission

TO SUPPORT THE RIDGE HIGH SCHOOL BAND PROGRAM AND OTHER MUSICAL EVENTS OF STUDENTS IN THE HIGH SCHOOL. THE ASSOCIATION WILL ASSIST THE MUSIC DEPARTMENT IN ACTIVITIES INCLUDING CHAPERONING TRIPS, BAND CAMP, ASSISTING WITH THE ORGANIZATION OF INTERSCHOLASTIC BAND COMPETITIONS, AND RAISING MONEY TO FUND EDUCATIONAL ACTIVITIES.

Program Service Accomplishments

Program 1

Expenses: $35,324 Revenue: $14,357

TO SUPPORT THE RIDGE HIGH SCHOOL BAND PROGRAM AND OTHER MUSICAL EVENTS OF STUDENTS IN THE HIGH SCHOOL.

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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 (2025)

Revenue Breakdown

Contributions & Grants $18,000

Program Service Revenue $14,357

Investment Income $21

Other Revenue $2,781

TOTAL REVENUE $35,159

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $35,324

Other Expenses $36,937

TOTAL EXPENSES $36,937

Year-over-Year Comparison

	2025	2024	Change
Revenue	$35,159	$35,147	+0.0%
Expenses	$36,937	$32,202	+0.1%
Net Income	$-1,778	$2,945	-1.6%

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

125

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
STEPHANIE CAIRNS	CO PRESIDENT	5.00	Officer Director	$0	$0	$0
MARTHE DARIUS	CO PRESIDENT	5.00	Officer Director	$0	$0	$0
NANCY KREGER	TREASURER	5.00	Officer Director	$0	$0	$0
LIZ PAOLILLO	SECRETARY	5.00	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	$35,159	$36,937	$111,918	$-1,778
2024	$35,147	$32,202	$113,696	$2,945
2023	$47,058	$57,439	$110,751	$-10,381
2022	$54,086	$52,240	$121,132	$1,846
2021	$70,864	$44,511	$119,286	$26,353
2020	$10,466	$20,399	$92,933	$-9,933
2019	$88,310	$66,451	$102,866	$21,859
2018	$111,051	$84,003	$81,007	$27,048