WEST BANK BUSINESS ASSOCIATION (EIN 411694119) - 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

1987

Legal Domicile

Principal Officer

KJ STARR

Phone

6124707693

Tax Period

2023-01-01 to 2023-12-31

WEST BANK BUSINESS ASSOCIATION, founded in 1987, is a small nonprofit in the Community Improvement sector that reported $289K in total revenue in fiscal year 2023. Revenue surged 72% from the prior year, signaling strong growth momentum. The organization ran a surplus of $66K, a strong 23% operating margin.

Mission

WBBA EXISTS TO ENGAGE THE BUSINESS COMMUNITY IN THE RESPONSIBLE ECONOMIC DEVELOPMENT OF THE WEST BANK DISTRICT WHILE PRESERVING THE UNIQUE CHARACTER AND HERITAGE OF THE CEDAR-RIVERSIDE AREA.

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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 $283,302

Program Service Revenue $2,793

Investment Income $2,251

Other Revenue $633

TOTAL REVENUE $288,979

Expense Breakdown

Grants Paid $14,312

Salaries & Benefits $68,574

Fundraising Expenses $3,784

Program Expenses $187,993

Other Expenses $140,058

TOTAL EXPENSES $222,944

Year-over-Year Comparison

	2023	2022	Change
Revenue	$288,979	$168,162	+0.7%
Expenses	$222,944	$215,282	+0.0%
Net Income	$66,035	$-47,120	-2.4%

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

$30,808

Total Directors

$30,808

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KJ STAR	EXECUTIVE DIRECTOR	16.00	Officer Director	$30,808	$0	$30,808
AMANO DUBE	CHAIR	2.00	Officer Director	$0	$0	$0
JOSH SCHUDER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
CALEIGH SOUHAN	VICE CHAIR	2.00	Officer Director	$0	$0	$0
MERRIE BENASUTTI	SECRETARY	2.00	Officer Director	$0	$0	$0
SUSANNAH DODGE	TREASURER	2.00	Officer Director	$0	$0	$0
JANE BUCKLEY-FARLEE	DIRECTOR	2.00	Director	$0	$0	$0
PAULA GUINN	DIRECTOR	2.00	Director	$0	$0	$0
UBAH KEYNAN	DIRECTOR	2.00	Director	$0	$0	$0
RUSSOM SOLOMAN	DIRECTOR	2.00	Director	$0	$0	$0
TOLA VANN	DIRECTOR	2.00	Director	$0	$0	$0
TONY ZACCARDI	DIRECTOR	2.00	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
2024	No data	No data	No data	No data
2023	$288,979	$222,944	$240,488	$66,035
2021	$230,474	$117,880	$210,193	$112,594

WEST BANK BUSINESS ASSOCIATION