SAGINAW CHORAL SOCIETY 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

1986

Legal Domicile

Principal Officer

TAMARA GREFE

Phone

9897531812

Tax Period

2024-07-01 to 2025-06-30

SAGINAW CHORAL SOCIETY INC, founded in 1986, is a small nonprofit in the Arts, Culture & Humanities sector that reported $227K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $279K exceeded revenue, resulting in a 23% operating deficit.

Mission

BUILDING AND UNITING OUR COMMUNITY THROUGH MUSIC.

Program Service Accomplishments

Program 1

Expenses: $86,240

THE ORGANIZATION PRESENTS A YEARLY SERIES OF CHORAL CONCERTS TO THE PUBLIC. ATTENDANCE RANGES FROM 250 TO 1500 FOR EACH CONCERT EVENT, DEPENDING ON THE VENUE THEME. THE CONCERTS PROVIDE CULTURAL...

THE ORGANIZATION PRESENTS A YEARLY SERIES OF CHORAL CONCERTS TO THE PUBLIC. ATTENDANCE RANGES FROM 250 TO 1500 FOR EACH CONCERT EVENT, DEPENDING ON THE VENUE THEME. THE CONCERTS PROVIDE CULTURAL ENRICHMENT AND MUSIC EDUCATIONAL EXPERIENCES TO THE POPULATION OF THE GREAT LAKES BAY REGION IN MICHIGAN.

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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 $142,133

Program Service Revenue $84,408

Investment Income $666

Other Revenue $0

TOTAL REVENUE $227,207

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,565

Fundraising Expenses $1,641

Program Expenses $116,382

Other Expenses $151,882

TOTAL EXPENSES $279,447

Year-over-Year Comparison

	2024	2023	Change
Revenue	$227,207	$266,006	-0.1%
Expenses	$279,447	$265,014	+0.1%
Net Income	$-52,240	$992	-53.7%

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

Employees

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

$50,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMARA GREFE	EXECUTIVE DI	40.00	Director	$50,000	$0	$50,000
KATIE BELTRAN	PRESIDENT	N/A	Officer	$0	$0	$0
JEFFREY LARSEN	SECRETARY	N/A	Officer	$0	$0	$0
CATHLEEN VEVERKA	VICE PRESIDE	N/A	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	$227,207	$279,447	$110,861	$-52,240
2024	$266,006	$264,841	$161,092	$1,165
2023	$222,525	$254,371	$161,071	$-31,846
2022	$227,706	$239,313	$174,539	$-11,607
2021	$206,738	$183,158	$219,870	$23,580
2018	$346,556	$194,933	$187,444	$151,623