FRIENDS OF BELMAR HARBOR (EIN 300176960) - 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

2003

Legal Domicile

Principal Officer

PAUL OWENS

Phone

7328229151

Tax Period

2025-01-01 to 2025-12-31

FRIENDS OF BELMAR HARBOR, founded in 2003, is a small nonprofit in the Education sector that reported $228K in total revenue in fiscal year 2025. Revenue surged 86% from the prior year, signaling strong growth momentum.

Mission

TO FACILITATE THE EDUCATION OF YOUTHS AND ADULTS AS TO THE NATURAL RESOURCES OF THE SHARK RIVER AND ITS SHORELINES,INCLUDING HARBOR AND BOATING SAFETY, ENVIRONMENTAL CLEANLINESS AND APPRECIATION OF THE SHARK RIVER.

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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 $14,322

Program Service Revenue $135,374

Investment Income $78,121

Other Revenue $0

TOTAL REVENUE $227,817

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,170

Fundraising Expenses $0

Program Expenses $195,242

Other Expenses $115,362

TOTAL EXPENSES $228,532

Year-over-Year Comparison

	2025	2024	Change
Revenue	$227,817	$122,481	+0.9%
Expenses	$228,532	$134,817	+0.7%
Net Income	$-715	$-12,336	-0.9%

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
PAUL OWENS	PRESIDENT	3.00	Officer	$0	$0	$0
JASON MONTICELLI	VICE PRESIDENT	3.00	Officer	$0	$0	$0
MARION ZUCHOWSKI	TREASURER	3.00	Officer	$0	$0	$0
JEANETTE YANNAZZONE	SECRETARY	3.00	Officer	$0	$0	$0
WENDEL THOMAS	DIRECTOR	3.00	Director	$0	$0	$0
JOSEPH GRIBKO	DIRECTOR	3.00	Director	$0	$0	$0
RICHARD ALLEN	DIRECTOR	3.00	Director	$0	$0	$0
FRED CARL	DIRECTOR	3.00	Director	$0	$0	$0
TONY ELDRIDGE	DIRECTOR	3.00	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	$227,817	$228,532	$82,607	$-715

FRIENDS OF BELMAR HARBOR