NEW BUFFALO BUSINESS & COMMUNITY ASSOCIATION (EIN 382568687) - 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

1985

Legal Domicile

Principal Officer

TRACI LAURICELLA

Phone

8886606222

Tax Period

2023-01-01 to 2023-12-31

NEW BUFFALO BUSINESS & COMMUNITY ASSOCIATION, founded in 1985, is a micro nonprofit in the Community Improvement sector that reported $54K in total revenue in fiscal year 2023. Revenue surged 37% from the prior year, signaling strong growth momentum.

Mission

TO PROMOTE DEVELOPMENT OF COMMERCE IN THE NEW BUFFALO AREA WITH A COMMITMENT TO THE GENERAL IMPROVEMENT OF THE COMMUNITY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $16,700

Program Service Revenue $9,130

Investment Income $0

Other Revenue $28,620

TOTAL REVENUE $54,450

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $40,318

Other Expenses $54,398

TOTAL EXPENSES $54,398

Year-over-Year Comparison

	2023	2022	Change
Revenue	$54,450	$39,747	+0.4%
Expenses	$54,398	$27,754	+1.0%
Net Income	$52	$11,993	-1.0%

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

100

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
BEN SMOCK	PRESIDENT	5.00	Officer Director	$0	$0	$0
LISA WERNER	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
TRACY SAYLOR	TREASURER	5.00	Officer Director	$0	$0	$0
LESLI DENASI	BOARD MEMBER	1.00	Director	$0	$0	$0
GARY WOOD	BOARD MEMBER	1.00	Director	$0	$0	$0
TAYLOR LINDSTROM	BOARD MEMBER	1.00	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
2023	$54,450	$54,398	$35,319	$52
2022	$39,747	$27,754	$35,267	$11,993
2021	$26,580	$12,697	$23,274	$13,883
2020	$16,684	$18,218	$9,391	$-1,534
2019	$72,098	$62,088	$13,625	$10,010
2018	$83,822	$90,089	$3,615	$-6,267

NEW BUFFALO BUSINESS & COMMUNITY ASSOCIATION