ST JOSEPH IMPROVEMENT ASSOCIATION

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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

1982

Legal Domicile

Principal Officer

DON RADDE

Phone

2692085813

Tax Period

2017-10-01 to 2018-09-30

ST JOSEPH IMPROVEMENT ASSOCIATION, founded in 1982, is a micro nonprofit that reported $72 in total revenue in fiscal year 2017. Expenses of $4K exceeded revenue, resulting in a 5456% operating deficit.

Mission

TO ASSIST IN THE RETENTION AND ATTRACTION OF RETAIL BUSINESS FOR THE CITY OF SAINT JOSEPH, MI.

Program Service Accomplishments

Program 1

Expenses: $4,000

TO ASSIST IN THE RETENTION AND ATTRACTION OF RETAIL BUSINESS FOR THE CITY OF SAINT JOSEPH, MI.

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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 (2017)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $72

Other Revenue $0

TOTAL REVENUE $72

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,000

Other Expenses $4,000

TOTAL EXPENSES $4,000

Year-over-Year Comparison

	2017	2016	Change
Revenue	$72	$73	0.0%
Expenses	$4,000	$1,553	+1.6%
Net Income	$-3,928	$-1,480	+1.7%

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

N/A

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
JOHN PROOS	DIRECTOR	0.00	Director	$0	$0	$0
TOM STARKS	DIRECTOR	0.00	Director	$0	$0	$0
JIM KRAMER	DIRECTOR	0.00	Director	$0	$0	$0
MIKE ROSS	DIRECTOR	0.00	Director	$0	$0	$0
JAY COSTAS	DIRECTOR	0.00	Director	$0	$0	$0
DON RADDE	PRESIDENT	1.00	Officer	$0	$0	$0
WILLIAM JOHNSON	VICE PRESIDENT	0.00	Officer	$0	$0	$0
TERECK HALSEY	SECRETARY	0.00	Officer	$0	$0	$0
JOEN BRAMBILLA	TREASURER	0.00	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
2018	$72	$4,000	$99,910	$-3,928