OXBOW OF INDIANA INC

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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

1993

Legal Domicile

Principal Officer

EDWARD GEMPERLE

Phone

8122902941

Tax Period

2024-01-01 to 2024-12-31

OXBOW OF INDIANA INC, founded in 1993, is a micro nonprofit in the Environment sector that reported $73K in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $20K, a strong 28% operating margin.

Mission

TO PROTECT AND PRESERVE WETLANDS

Program Service Accomplishments

Program 1

Expenses: $14,688

PRESERVE, PROTECT AND IMPROVE THE FLOOD PLAIN WETLAND AT THE MOUTH OF THE GREAT MIAMI RIVER. FUNDS ARE EXPENDED TO STUDY AND PRESERVE ENVIRONMENTAL AND ARCHAEOLOGICAL RESOURCES

Program 2

Expenses: $2,513

PROVIDE EDUCATIONAL OPPORTUNITIES FOR MEMBERS AND THE GENERAL PUBLIC BY MEANSOF PRESENTATIONS, TOURS AND NEWSLETTERS

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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 $2,365

Program Service Revenue $64,288

Investment Income $2,445

Other Revenue $3,503

TOTAL REVENUE $72,601

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,201

Other Expenses $52,345

TOTAL EXPENSES $52,345

Year-over-Year Comparison

	2024	2023	Change
Revenue	$72,601	$92,485	-0.2%
Expenses	$52,345	$64,538	-0.2%
Net Income	$20,256	$27,947	-0.3%

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
PENNY BORGMAN	TRUSTEE	4.00	Director	$0	$0	$0
ERICH BAUMGARDNER	TRUSTEE	1.00	Director	$0	$0	$0
DENIS CONOVER	TRUSTEE	1.00	Director	$0	$0	$0
ANDREA EWAN	TRUSTEE	1.00	Director	$0	$0	$0
RON GRECO	TRUSTEE	1.00	Director	$0	$0	$0
JOHN KLEIN	TRUSTEE	1.00	Director	$0	$0	$0
TIMOTHY MARA	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL MILLER	TRUSTEE	1.00	Director	$0	$0	$0
STEVE PELIKAN	TRUSTEE	1.00	Director	$0	$0	$0
MEG RIESTENBERG	TRUSTEE	1.00	Director	$0	$0	$0
JACK STENGER	TRUSTEE	1.00	Director	$0	$0	$0
JAY STENGER	TRUSTEE	1.00	Director	$0	$0	$0
WAYNE WAULIGMAN	TRUSTEE	1.00	Director	$0	$0	$0
EDWARD GEMPERLE	TREASURER	6.00	Officer Director	$0	$0	$0
DR JON SEYMOUR	PRESIDENT	12.00	Officer Director	$0	$0	$0
DWIGHT POFFENBERGER	SECRETARY	3.00	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
2024	$72,601	$52,345	$3,535,561	$20,256
2023	$92,485	$64,538	$3,516,821	$27,947
2022	$91,650	$99,472	$3,492,066	$-7,822
2021	$60,331	$67,003	$3,497,722	$-6,672
2020	$59,935	$57,948	$3,503,418	$1,987