St Charles Singers

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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

1988

Legal Domicile

Principal Officer

JOHN MASON

Phone

6305135272

Tax Period

2024-09-01 to 2025-08-31

St Charles Singers, founded in 1988, is a small nonprofit that reported $342K in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $331K left a modest 3% surplus.

Mission

TO PERFORM, PROMOTE, AND PRESERVE THE FINEST CHORAL MUSIC TO INSPIRE DIVERSE AUDIENCES REGIONALLY, NATIONALLY AND INTERNATIONALLY.

Program Service Accomplishments

Program 1

Expenses: $268,338 Revenue: $154,205

THE ST. CHARLES SINGERS PERFORM THREE TO FOUR CONCERT CYCLES PER YEAR. CONCERTS ARE PERFORMED AT THE CHOIR'S HOME VENUE IN ST. CHARLES, IL AND THROUGHOUT THE CHICAGO METROPOLITAN AREA. OCCASIONALLY THE ORGANIZATION PERFORMS INTERNATATIONAL TOURS. THE CHOIR COLLABORATES WITH THE METROPOLIS CHAMBER ORCHESTRA, THE ELGIN SYMPHONY ORCHESTRA, ANIMA - GLEN ELLYN CHILDREN'S CHORUS, INDEPENDENT VOCAL SOLOISTS, GUEST INSTRUMENTALISTS, AND GUEST CONDUCTORS. VENUES OF PERFORMANCE INCLUDE BAKER MEMORIAL UNITED METHODIST CHURCH (ST. CHARLES), ST. MICHAEL CHURCH (WHEATON), FOURTH PRESBYTERIAN CHURCH (CHICAGO), ST. VINCENT DEPAUL (CHICAGO), HOLY FAMILY CHURCH (CHICAGO), ST. MARY CATHOLIC CHURCH (ELGIN), AND GRACE LUTHERAN CHURCH (RIVER FOREST).THE CHOIR HAS PRODUCED TWO CDS ON THE PROTEUS ENTERTAINMENT LABEL AND TWO CDS ON THE MSR LABEL.THE EDUCATIONAL OUTREACH PROGRAM "SING" IS AN ANNUAL WORKSHOP FOR AREA STUDENTS THAT EXPLORES THE ART OF ENSEMBLE SINGING.SCHOLARSHIPS ARE PERIODICALLY GRANTED TO GRADUATING HIGH SCHOOL STUDENTS IN THE FOX VALLEY AND WHEATON AREAS.THE CHOIR OCCASIONALLY EMBARKS ON INTERNATIONAL TOURS, MOST RECENTLY THEY PERFORMED IN SPAIN AND POTUGAL IN 2023.

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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 $191,010

Program Service Revenue $154,205

Investment Income $4,684

Other Revenue $-7,869

TOTAL REVENUE $342,030

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $74,758

Fundraising Expenses $29,923

Program Expenses $268,338

Other Expenses $254,536

TOTAL EXPENSES $331,294

Year-over-Year Comparison

	2024	2023	Change
Revenue	$342,030	$275,342	+0.2%
Expenses	$331,294	$266,059	+0.2%
Net Income	$10,736	$9,283	+0.2%

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

155

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

$65,197

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFREY HUNT	Music Director	20.00	Officer	$31,052	$0	$31,052
DEB STEVENSON	Executive Dir.	25.00	Officer	$20,000	$0	$20,000
KAY KENDALL	Outgoing Ex Dir	25.00	Officer	$14,145	$0	$14,145
LAURA JOHNSON	SINGER LIASON	1.00	Director	$0	$0	$0
DIANA SEYMOUR	Director	1.00	Director	$0	$0	$0
MONICA CORBETT	Director	1.00	Director	$0	$0	$0
DWAYNE NELSON	Director	1.00	Director	$0	$0	$0
JOHN MASON	Treasurer	3.00	Officer Director	$0	$0	$0
THOMAS RUSSE	Director	1.00	Director	$0	$0	$0
DEBBY CONTERATO	Vice President	1.00	Officer Director	$0	$0	$0
SUSAN MCDOWELL	President	4.00	Officer Director	$0	$0	$0
CYNTHIA MILLER SPIEGEL	Secretary	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	$342,030	$331,294	$79,073	$10,736
2024	$275,342	$266,059	$63,999	$9,283
2023	$354,429	$404,756	$50,767	$-50,327
2022	$355,463	$370,945	$102,391	$-15,482
2021	$168,442	$148,881	$128,115	$19,561
2020	$204,565	$184,721	$106,999	$19,844
2019	$277,352	$283,298	$77,197	$-5,946
2018	$241,951	$208,056	$60,462	$33,895