Branch & St Joseph Counties Railway Users Association Inc (EIN 382526414) - 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

1983

Legal Domicile

Principal Officer

Keith Baker

Phone

5172799501

Tax Period

2024-07-01 to 2025-06-30

Branch & St Joseph Counties Railway Users Association Inc, founded in 1983, is a micro nonprofit that reported $6K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $23K exceeded revenue, resulting in a 265% operating deficit.

Mission

Provide rail access to Branch and St Joseph County MI businesses

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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 $0

Program Service Revenue $6,270

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,270

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $22,891

Other Expenses $22,891

TOTAL EXPENSES $22,891

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,270	$7,290	-0.1%
Expenses	$22,891	$24,808	-0.1%
Net Income	$-16,621	$-17,518	-0.1%

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
N/A	Vice President	001.00	Officer Director	$0	$0	$0
N/A	Treasurer	001.00	Officer Director	$0	$0	$0
N/A	Secretary	001.00	Officer Director	$0	$0	$0
N/A	President	002.00	Officer Director	$0	$0	$0
N/A	Director	001.00	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	$6,270	$22,891	$273,841	$-16,621
2024	$7,290	$24,808	$290,462	$-17,518
2023	$607,410	$622,976	$307,980	$-15,566
2022	$7,880	$29,444	$323,546	$-21,564
2021	$21,380	$41,376	$345,110	$-19,996
2020	$46,717	$30,369	$365,106	$16,348
2019	$19,730	$26,639	$348,758	$-6,909

Branch & St Joseph Counties Railway Users Association Inc