AMERICAN BEAR ASSOCIATION

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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

1995

Legal Domicile

Phone

2187570172

Tax Period

2024-01-01 to 2024-12-31

AMERICAN BEAR ASSOCIATION, founded in 1995, is a small nonprofit in the Animal-Related sector that reported $370K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $343K left a modest 7% surplus.

Mission

EDUCATION OF THE PUBLIC REGARDING BLACK BEARS AND THE ENVIRONMENT. PROMOTION OF THE WELFARE OF THE BLACK BEAR AND NATURAL RESOURCES

Program Service Accomplishments

Program 1

Expenses: $313,057 Revenue: $198,930

PROGRAM EXPENSES AND REVENUE ARE DIRECTLY RELATED TO THE PROMOTION, WELFARE, AND EDUCATION OF THE BLACK BEAR. PUBLIC EDUCATION AND VIEWING OF THE BLACK BEAR TAKES PLACE FROM MEMORIAL DAY TO LABOR DAY...

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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 $103,331

Program Service Revenue $198,930

Investment Income $3,214

Other Revenue $64,149

TOTAL REVENUE $369,624

Expense Breakdown

Grants Paid $0

Salaries & Benefits $108,502

Fundraising Expenses $0

Program Expenses $313,057

Other Expenses $234,421

TOTAL EXPENSES $342,923

Year-over-Year Comparison

	2024	2023	Change
Revenue	$369,624	$321,090	+0.2%
Expenses	$342,923	$340,726	+0.0%
Net Income	$26,701	$-19,636	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN HAUSERMAN	BOARD MEMBER	0.00	Director	$0	$0	$0
DONNA BREZINKA	BOARD MEMBER	0.00	Director	$0	$0	$0
STEPH HORNER	PRESIDENT	40.00	Officer	$0	$0	$0
ROSS COYER	VICE PRESIDENT	0.00	Officer	$0	$0	$0
PHILIP STUBLEY	SECRETARY	0.00	Officer	$0	$0	$0
ANGELA PAGE	TREASURER	0.00	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
2024	$369,624	$342,923	$1,055,928	$26,701
2023	$321,090	$340,726	$847,575	$-19,636
2022	$291,408	$291,769	$865,295	$-361
2021	$418,298	$329,332	$876,479	$88,966
2020	$296,824	$252,626	$789,397	$44,198
2019	$284,908	$288,378	$728,073	$-3,470
2018	$296,429	$254,056	$806,969	$42,373