SPANISH LAKE COMMUNITY 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

1999

Legal Domicile

Principal Officer

Jack Olson

Phone

3147414100

Tax Period

2024-05-01 to 2025-04-30

SPANISH LAKE COMMUNITY ASSOCIATION, founded in 1999, is a micro nonprofit in the Community Improvement sector that reported $57K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. The organization ran a surplus of $13K, a strong 22% operating margin.

Mission

Promote development of strong community, improve communications with governments to further mutual goals and responsibilities encourage cooperative efforts to improve quality of life for all community residents, enhance sense of pride, and provide forum to share concerns and visions about the future of the community.

Program Service Accomplishments

Program 1

Expenses: $32,278 Revenue: $16,296

Operate and maintain Twillman House Community Center for stake holder meetings on Neighborhood Watch, Property and Code Enforcement committee, Youth and Family Council, Community Development...

Operate and maintain Twillman House Community Center for stake holder meetings on Neighborhood Watch, Property and Code Enforcement committee, Youth and Family Council, Community Development Corporation assistance, and as a gathering place for private and community events.

Program 2

Expenses: $4,497 Revenue: $0

Work to improve quality of life and sense of community through continuous care of community garden and Property Enhancement activities. Conduct electronics and paper recycling events. Support...

Work to improve quality of life and sense of community through continuous care of community garden and Property Enhancement activities. Conduct electronics and paper recycling events. Support community art installations at garden, hold Town Hall meetings to discuss issues and distribute information on a variety of issues, publish an Association Newsletter to provide information and encourage participation of individuals and businesses; support efforts to save the natural beauty surrounding the confluence of Mississippi and Missouri rivers. Participation and effort includes many volunteer hours that are not reflected in dollars.

Program 3

Expenses: $75 Revenue: $0

Participate in community committee working to enhance youth services and youth activities; Jointly sponsor community service fair in conjunction with committee and county government; Support lower...

Participate in community committee working to enhance youth services and youth activities; Jointly sponsor community service fair in conjunction with committee and county government; Support lower income individuals with Free Tax Preparation and Filing through the IRS VITA Tax assistance program. Participation and effort includes many volunteer hours that are not reflected in dollars.

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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 $38,623

Program Service Revenue $16,296

Investment Income $2,074

Other Revenue $0

TOTAL REVENUE $56,993

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $36,850

Other Expenses $44,403

TOTAL EXPENSES $44,403

Year-over-Year Comparison

	2024	2023	Change
Revenue	$56,993	$69,665	-0.2%
Expenses	$44,403	$36,019	+0.2%
Net Income	$12,590	$33,646	-0.6%

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

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
VACANT POSITION	DIRECTOR	0	Director	$0	$0	$0
VACANT POSITION	DIRECTOR	0	Director	$0	$0	$0
JULIE GRIFFITH	PRESIDENT AND DIRECTOR	15	Officer Director	$0	$0	$0
WILLIAM BENFORD	DIRECTOR	3	Director	$0	$0	$0
KATHERINE MOORE-FREEMAN	SECRETARY AND DIRECTOR	5	Officer Director	$0	$0	$0
JACK OLSON	TREASURER AND DIRECTOR	5	Officer Director	$0	$0	$0
ROSA RUE-BROWN	VICE PRESIDENT AND DIRECTOR	5	Officer Director	$0	$0	$0
MARY TUBBS	DIRECTOR	3	Director	$0	$0	$0
BRET BERIGAN	DIRECTOR	3	Director	$0	$0	$0
BILLY MILES	DIRECTOR	3	Director	$0	$0	$0
CLARENCE BALLARD	DIRECTOR	3	Director	$0	$0	$0
DOROTHY MCGUFFIN	DIRECTOR	3	Director	$0	$0	$0
CHARLOTTE PETTY	DIRECTOR	3	Director	$0	$0	$0
GLENDA OSBY	DIRECTOR	3	Director	$0	$0	$0
CAROLYN JONES	DIRECTOR	3	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	$56,993	$44,403	$1,451,354	$12,590
2024	$69,665	$36,019	$1,438,762	$33,646
2023	$38,304	$39,949	$1,405,066	$-1,645
2022	$71,626	$46,877	$1,406,710	$24,749
2021	$31,823	$38,577	$1,381,962	$-6,754