ST LOUIS CHRISTMAS CAROLS ASSOCIATI

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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

1911

Legal Domicile

Phone

3148631895

Tax Period

2024-07-01 to 2025-06-30

ST LOUIS CHRISTMAS CAROLS ASSOCIATI, founded in 1911, is a micro nonprofit that reported $48K in total revenue in fiscal year 2024. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $88K exceeded revenue, resulting in a 83% operating deficit.

Mission

CAROLING GROUPS COLLECT DONATIONS DURINGTHE CHRISTMAS SEASON AND SUBSEQUENTLY DISTRIBUTECOLLECTED FUNDS TO CHILD WELFARE ORGANIZATIONS THROUGHOUT THE ST LOUIS AREA

Program Service Accomplishments

Program 1

Expenses: $83,045 Revenue: $38,055

PROVIDED FUNDS TO 18 AREA AGENCIES TO ASSIST THEM IN CARRYING OUT THEIR CHARITABLE MISSIONS. DISTRIBUTED $15600

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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 $38,055

Program Service Revenue $0

Investment Income $9,974

Other Revenue $0

TOTAL REVENUE $48,029

Expense Breakdown

Grants Paid $15,600

Salaries & Benefits $49,342

Fundraising Expenses $0

Program Expenses $83,045

Other Expenses $23,188

TOTAL EXPENSES $88,130

Year-over-Year Comparison

	2024	2023	Change
Revenue	$48,029	$69,988	-0.3%
Expenses	$88,130	$100,966	-0.1%
Net Income	$-40,101	$-30,978	+0.3%

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
DONALD DANFORTH III	CHAIRMAN	2.00	Officer	$0	$0	$0
MAGGIE RUTHERFORD	SECRETARY	1.00	Officer	$0	$0	$0
DANIEL MILLER	VICE CHAIR	1.00	Officer	$0	$0	$0
SEANA BEARD	EXECUTIVE DIRECTOR	20.00	Highest	$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	$48,029	$88,130	$265,369	$-40,101
2024	$69,988	$100,966	$306,204	$-30,978
2023	$68,801	$120,207	$336,790	$-51,406
2022	$316,038	$96,566	$387,854	$219,472
2021	$38,322	$49,788	$170,641	$-11,466
2020	$96,291	$100,185	$179,848	$-3,894
2019	$109,532	$96,798	$183,742	$12,734