GREATER ROSEWOOD MERCHANTS ASSOCIATION (EIN 274058425) - 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

2011

Legal Domicile

Principal Officer

Michael Bank

Phone

8035281664

Tax Period

2024-07-01 to 2025-06-30

GREATER ROSEWOOD MERCHANTS ASSOCIATION, founded in 2011, is a small nonprofit in the Community Improvement sector that reported $233K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $36K, a strong 15% operating margin.

Mission

Promote community improvement; and strengthen vendor, resident, local government & bonds through hosting annual festivals & other activities.

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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 $60,000

Program Service Revenue $172,958

Investment Income $0

Other Revenue $0

TOTAL REVENUE $232,958

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $195,342

Other Expenses $197,274

TOTAL EXPENSES $197,274

Year-over-Year Comparison

	2024	2023	Change
Revenue	$232,958	$251,557	-0.1%
Expenses	$197,274	$286,139	-0.3%
Net Income	$35,684	$-34,582	-2.0%

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
Michael Bank	President	5.00	Officer Director	$0	$0	$0
Lisa Lowe	Secretary	2.00	Officer Director	$0	$0	$0
Elnora Hubbard	Vice President	2.00	Officer Director	$0	$0	$0
Kia Faison	Treasurer	2.00	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	$232,958	$197,274	$47,255	$35,684
2024	$251,557	$286,139	$11,571	$-34,582
2023	$268,521	$277,181	$46,153	$-8,660
2019	$252,276	$281,942	$-361	$-29,666
2018	$336,370	$327,478	$82,814	$8,892

GREATER ROSEWOOD MERCHANTS ASSOCIATION