ST JOSEPH DOWNTOWN ASSOCIATION (EIN 431756152) - 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

KIM JENNINGS

Phone

8163510179

Tax Period

2023-09-01 to 2024-08-31

ST JOSEPH DOWNTOWN ASSOCIATION, founded in 1985, is a micro nonprofit that reported $51K in total revenue in fiscal year 2023. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $63K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROMOTE AND RE-VITALIZE THE DOWNTOWN AREA OF ST. JOSEPH, MO.

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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 $18,998

Program Service Revenue $32,290

Investment Income $1

Other Revenue $0

TOTAL REVENUE $51,289

Expense Breakdown

Grants Paid $0

Salaries & Benefits $27,539

Fundraising Expenses $0

Program Expenses $63,359

Other Expenses $35,820

TOTAL EXPENSES $63,359

Year-over-Year Comparison

	2023	2022	Change
Revenue	$51,289	$121,479	-0.6%
Expenses	$63,359	$105,297	-0.4%
Net Income	$-12,070	$16,182	-1.7%

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

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
KIM JENNINGS	PRESIDENT	1.00	Officer Director	$0	$0	$0
LANCE TAYLOR	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
GREG BIGHAM	TREASURER	1.00	Officer Director	$0	$0	$0
DAVID PEPPARD	DIRECTOR	0.50	Director	$0	$0	$0
DAVE SUMMERS	DIRECTOR	0.50	Director	$0	$0	$0
ELIZABETH PAYNE	DIRECTOR	0.50	Director	$0	$0	$0
JODY JORDAN	DIRECTOR	0.50	Director	$0	$0	$0
CHRISTY GEORGE	DIRECTOR	0.50	Director	$0	$0	$0
WENDY LILLY	MANAGER	20.00	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	$51,289	$63,359	$10,850	$-12,070
2023	$121,479	$105,297	$43,116	$16,182
2022	$87,710	$80,458	$26,934	$7,252
2021	$66,927	$69,932	$19,682	$-3,005
2020	$38,988	$49,368	$22,687	$-10,380
2019	$75,617	$76,300	$33,067	$-683
2018	$80,928	$91,850	$33,750	$-10,922

ST JOSEPH DOWNTOWN ASSOCIATION