ZAFERIA BUSINESS ASSOCIATION (EIN 330767944) - 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

1997

Legal Domicile

Principal Officer

HAROLD DYLAN DAVIS

Phone

5623057102

Tax Period

2024-10-01 to 2025-09-30

ZAFERIA BUSINESS ASSOCIATION, founded in 1997, is a small nonprofit that reported $246K in total revenue in fiscal year 2024. The organization ran a surplus of $57K, a strong 23% operating margin.

Mission

THE MISSION OF THE ZAFERIA BUSINESS ASSOCIATION IS TO PROMOTE, ENHANCE AND REPRESENT THE BUSINESS MEMBERS OF THE ZAFERIA DISTRICT.

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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 $32,810

Program Service Revenue $212,449

Investment Income $459

Other Revenue $0

TOTAL REVENUE $245,718

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $188,709

TOTAL EXPENSES $188,709

Year-over-Year Comparison

	2024	2023	Change
Revenue	$245,718	N/A	N/A
Expenses	$188,709	N/A	N/A
Net Income	$57,009	N/A	N/A

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

N/A

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
HAROLD DYLAN DAVIS	PRESIDENT	7.00	Officer Director	$0	$0	$0
JENNIFER LITTLE	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
LISA LOWE	TREASURER	7.00	Officer Director	$0	$0	$0
ERICA NORTON	SECRETARY	5.00	Officer Director	$0	$0	$0
THOMAS BARNES	DIRECTOR	5.00	Director	$0	$0	$0
AIMEE ECHO	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT RIVERA	DIRECTOR	5.00	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	$245,718	$188,709	$167,915	$57,009
2023	$217,450	$200,621	$104,964	$16,829
2022	$118,713	$168,509	$79,746	$-49,796
2021	$245,182	$229,536	$129,620	$15,646

ZAFERIA BUSINESS ASSOCIATION