BEACON HILL MERCHANTS 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

2011

Legal Domicile

Principal Officer

M ANGELA CASTANEDA

Phone

2064591430

Tax Period

2023-01-01 to 2023-12-31

BEACON HILL MERCHANTS ASSOCIATION, founded in 2011, is a small nonprofit in the Community Improvement sector that reported $245K in total revenue in fiscal year 2023. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $388K exceeded revenue, resulting in a 58% operating deficit.

Mission

TO PROMOTE EQUITABLE ECONOMIC DEVELOPMENT IN OUR NEIGHBORHOOD THROUGH COMMUNITY ENGAGEMENT, ORGANIZING, ADVOCACY, NETWORKING AND COLLABORATION.

Program Service Accomplishments

Program 1

Expenses: $341,178 Revenue: $4,027

OUR PRIORITY CONTINUES TO BE TO ENSURE ALL BUSINESSES IN OUR AREA HAVE ACCESS TO INFORMATION AND TECHNICAL ASSISTANCE, THROUGH DIRECT OUTREACH, (IN-PERSON, PHONE, TEXT, E-MAIL), GROUP AND VIRTUAL...

OUR PRIORITY CONTINUES TO BE TO ENSURE ALL BUSINESSES IN OUR AREA HAVE ACCESS TO INFORMATION AND TECHNICAL ASSISTANCE, THROUGH DIRECT OUTREACH, (IN-PERSON, PHONE, TEXT, E-MAIL), GROUP AND VIRTUAL WORKSHOPS AND WEB/SOCIAL MEDIA COMMUNICATIONS. WE ASSESS BUSINESS COMMUNITY NEEDS, AND FACILITATE ACCESS TO RESOURCES. WE CONTINUE TO BUILD CAPACITY THROUGH COLLABORATION WITH OUR ORGANIZATIONAL PARTNERS TO PROVIDE THE HIGHEST LEVEL OF SUPPORT.

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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 $241,397

Program Service Revenue $4,027

Investment Income $65

Other Revenue $0

TOTAL REVENUE $245,489

Expense Breakdown

Grants Paid $22,575

Salaries & Benefits $92,001

Fundraising Expenses $13,931

Program Expenses $341,178

Other Expenses $272,946

TOTAL EXPENSES $387,522

Year-over-Year Comparison

	2023	2022	Change
Revenue	$245,489	$340,685	-0.3%
Expenses	$387,522	$225,917	+0.7%
Net Income	$-142,033	$114,768	-2.2%

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

$82,682

Total Directors

$2,025

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
M ANGELA CASTANEDA	DIRECTOR	30	Officer	$78,260	$4,422	$82,682
JOANNE CHA	TRUSTEE	0.33	Director	$2,025	$0	$2,025
KELLY SOMMERFELD	CHAIR	0.5	Officer Director	$0	$0	$0
ROBERT HINRIX	SECRETARY	0.67	Officer Director	$0	$0	$0
MICHAEL CHARLES	TRUSTEE	0.33	Director	$0	$0	$0
MIGUEL MAESTAS	TRUSTEE	0.33	Director	$0	$0	$0
KARIN PAULSEN	TRUSTEE	0.33	Director	$0	$0	$0
SCOTT KIM	TRUSTEE	0.33	Director	$0	$0	$0
SARA KNOWLES	TRUSTEE	0.33	Director	$0	$0	$0
JEFFREY CHEATHAM II	TRUSTEE	0.33	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$245,489	$387,522	$8,435	$-142,033
2022	$340,685	$225,917	$147,106	$114,768