OHIO RIVER STERNWHEEL FESTIVAL INC (EIN 311005854) - 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

1976

Legal Domicile

Principal Officer

JENNIFER BROOKER

Phone

7403360841

Tax Period

2025-01-01 to 2025-12-31

OHIO RIVER STERNWHEEL FESTIVAL INC, founded in 1976, is a small nonprofit that reported $199K in total revenue in fiscal year 2025. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $173K left a modest 13% surplus.

Mission

NOT FOR PROFIT FESTIVAL OPEN TO GENERAL PUBLIC AT NO CHARGE.

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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 $117,617

Program Service Revenue $59,788

Investment Income $102

Other Revenue $21,545

TOTAL REVENUE $199,052

Expense Breakdown

Grants Paid $3,750

Salaries & Benefits $0

Fundraising Expenses $4,150

Program Expenses $149,731

Other Expenses $169,191

TOTAL EXPENSES $172,941

Year-over-Year Comparison

	2025	2024	Change
Revenue	$199,052	$147,496	+0.3%
Expenses	$172,941	$170,738	+0.0%
Net Income	$26,111	$-23,242	-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

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
KATHY ALBERTSON	TRUSTEE	1.00	Director	$0	$0	$0
RANDY BRITTON	TRUSTEE	1.00	Director	$0	$0	$0
GRETA GUIMOND	TRUSTEE	1.00	Director	$0	$0	$0
ANNA HINZMAN	TRUSTEE	1.00	Director	$0	$0	$0
GREG MORUS	TRUSTEE	1.00	Director	$0	$0	$0
KIMBERLY SMREK	TRUSTEE	1.00	Director	$0	$0	$0
ELEANOR TUCKER	HONORARY TRU	N/A	Director	$0	$0	$0
KAREN WENTZ	TRUSTEE	1.00	Director	$0	$0	$0
COURTNEY WENTZ-ESTES	TRUSTEE	1.00	Director	$0	$0	$0
BUTCH WISEMAN	TRUSTEE	1.00	Director	$0	$0	$0
BRUCE WUNDERLICH	TRUSTEE	1.00	Director	$0	$0	$0
DENNIS BLAUSER	VICE PRESIDE	2.00	Officer	$0	$0	$0
JENNIFER BROOKER	TREASURER	2.00	Officer	$0	$0	$0
LISA LADU	DIRECTOR GEN	8.00	Officer	$0	$0	$0
AMY O'LINN	CO-SECRETARY	1.00	Officer	$0	$0	$0
CHERI SEEVERS	PRESIDENT	4.00	Officer	$0	$0	$0
CAROLE WALTERS	CO-SECRETARY	1.00	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	$199,052	$172,941	$93,662	$26,111
2024	No data	No data	No data	No data
2023	$169,344	$161,833	$90,793	$7,511
2022	$190,174	$175,793	$83,282	$14,381

OHIO RIVER STERNWHEEL FESTIVAL INC