NORTH COUNTRY TRAIL ASSOCIATION INCORPORATED (EIN 382423480) - 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

1981

Legal Domicile

Principal Officer

ANDREA KETCHMARK

Phone

6168975987

Tax Period

2024-01-01 to 2024-12-31

NORTH COUNTRY TRAIL ASSOCIATION INCORPORATED, founded in 1981, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Expenses of $2.1M left a modest 4% surplus.

Mission

TO DEVELOP, MAINTAIN, PROTECT AND PROMOTE THE NORTH COUNTRY NATIONAL SCENIC TRAIL.

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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 $1,950,288

Program Service Revenue $110,794

Investment Income $54,654

Other Revenue $29,390

TOTAL REVENUE $2,145,126

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,067,667

Fundraising Expenses $190,289

Program Expenses $1,597,210

Other Expenses $999,595

TOTAL EXPENSES $2,067,262

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,145,126	$2,014,442	+0.1%
Expenses	$2,067,262	$1,811,109	+0.1%
Net Income	$77,864	$203,333	-0.6%

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

1237

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

$142,127

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAN ULFERTS STEWART	PRESIDENT (FROM SEPT)	5.00	Officer Director	$0	$0	$0
MIKE CHAPPLE	IMMEDIATE PAST PRESIDENT (FROM SEPT)	5.00	Officer Director	$0	$0	$0
CHERYL KREINDLER	VICE PRESIDENT (FROM SEPT)	5.00	Officer Director	$0	$0	$0
JEFF VANWINKLE	SECRETARY (THRU SEPT)	5.00	Officer Director	$0	$0	$0
TINA TOOLE	SECRETARY (FROM SEPT)	5.00	Officer Director	$0	$0	$0
BRAD SLAGLE	TREASURER	5.00	Officer Director	$0	$0	$0
MAX HEITNER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN WALKER	DIRECTOR	1.00	Director	$0	$0	$0
JOSH BERLO	DIRECTOR	1.00	Director	$0	$0	$0
SUE HARVEY BROWN	DIRECTOR	1.00	Director	$0	$0	$0
DERRICK PASSE	DIRECTOR	1.00	Director	$0	$0	$0
DUANE LAWTON	DIRECTOR	1.00	Director	$0	$0	$0
SHARON RAY	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN RUSSELL	DIRECTOR	1.00	Director	$0	$0	$0
MEL BAUGHMAN	DIRECTOR	1.00	Director	$0	$0	$0
CLAIRE DROLSHAGEN PUCK	DIRECTOR	1.00	Director	$0	$0	$0
NATHAN MILLER	DIRECTOR	1.00	Director	$0	$0	$0
DENNIS GARRETT	DIRECTOR (THRU SEPT)	1.00	Director	$0	$0	$0
JARON NYHOF	IMMEDIATE PAST PRESIDENT (THRU SEPT)	1.00	Director	$0	$0	$0
CHRISTOPHER WHITSEL	DIRECTOR	1.00	Director	$0	$0	$0
JANE NORTON	DIRECTOR	1.00	Director	$0	$0	$0
YVETTE JESTER	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA KETCHMARK	EXECUTIVE DIRECTOR	40.00	Officer	$130,000	$12,127	$142,127

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	$2,145,126	$2,067,262	$2,033,439	$77,864
2023	$2,014,442	$1,811,109	$1,850,320	$203,333
2022	$2,073,829	$1,636,703	$1,625,542	$437,126
2021	$1,591,571	$1,398,933	$1,231,091	$192,638
2020	$1,425,237	$1,137,508	$1,112,198	$287,729
2019	$1,551,558	$1,475,796	$735,237	$75,762
2018	$1,178,264	$1,080,854	$626,287	$97,410

NORTH COUNTRY TRAIL ASSOCIATION INCORPORATED