DOWNTOWN MYSTIC MERCHANTS INC (EIN 462530475) - 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

2013

Principal Officer

KENT FULLER

Tax Period

2018-01-01 to 2018-12-31

DOWNTOWN MYSTIC MERCHANTS INC, founded in 2013, is a micro nonprofit that reported $37K in total revenue in fiscal year 2018. Revenue fell 48% from the prior year — a significant decline worth monitoring. Expenses of $60K exceeded revenue, resulting in a 60% operating deficit.

Mission

TO PROMOTE HISTORIC DOWNTOWN MYSTIC ECONOMICALLY, CULTURALLY AND AESTHETICALLY FOR THE MERCHANTS, RESIDENTS AND VISITORS OF OUR HISTORIC DOWNTOWN. OUR MISSION IS TO ENHANCE THE EXPERIENCES OF SHOPPING, EATING, AND SIMPLY STROLLING THROUGH OUR HISTORIC RIVERFRONT COMMUNITY.

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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 (2018)

Revenue Breakdown

Contributions & Grants $31,797

Program Service Revenue $0

Investment Income $0

Other Revenue $5,641

TOTAL REVENUE $37,438

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $60,019

TOTAL EXPENSES $60,019

Year-over-Year Comparison

	2018	2017	Change
Revenue	$37,438	$71,547	-0.5%
Expenses	$60,019	$54,856	+0.1%
Net Income	$-22,581	$16,691	-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

N/A

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
KENT FULLER	PRESIDENT-JO	2.00	Officer Director	$0	$0	$0
MEREDITH FULLER	PRESIDENT-JO	2.00	Officer Director	$0	$0	$0
BILL FERGUSEN	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
AMY MUNOZ	TREASURER	2.00	Officer Director	$0	$0	$0
KRISTIN HARTNETT	SECRETARY	2.00	Officer Director	$0	$0	$0
HEATEHR GIANACOPLOS	CHAIRMAN	2.00	Officer Director	$0	$0	$0
STEPHANIE MARSHALL	BOARD MEMBER	2.00	Director	$0	$0	$0
PATTI MURPHY	BOARD MEMBER	2.00	Director	$0	$0	$0
PATRICIA MAINVILLE	BOARD MEMBER	2.00	Director	$0	$0	$0
MARY DAVIS	BOARD MEMBER	2.00	Director	$0	$0	$0
RICKY AU	BOARD MEMBER	2.00	Director	$0	$0	$0
JEFF JODOIN	BOARD MEMBER	2.00	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
2018	$37,438	$60,019	$28,751	$-22,581
2017	$71,547	$54,856	$51,332	$16,691

DOWNTOWN MYSTIC MERCHANTS INC