OAK HARBOR MAIN STREET ASSOCIATION (EIN 472695380) - 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

2014

Legal Domicile

Principal Officer

MARGARET LIVERMORE

Phone

3602798995

Tax Period

2024-01-01 to 2024-12-31

OAK HARBOR MAIN STREET ASSOCIATION, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $223K in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year. Expenses of $262K exceeded revenue, resulting in a 18% operating deficit.

Mission

OAK HARBOR MAIN STREET ASSOCIATION ACTIVELY PROMOTES A VIBRANT, HISTORIC WATERFRONT 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 (2024)

Revenue Breakdown

Contributions & Grants $227,796

Program Service Revenue $0

Investment Income $19

Other Revenue $-5,069

TOTAL REVENUE $222,746

Expense Breakdown

Grants Paid $0

Salaries & Benefits $112,724

Fundraising Expenses $0

Program Expenses $193,267

Other Expenses $149,082

TOTAL EXPENSES $261,806

Year-over-Year Comparison

	2024	2023	Change
Revenue	$222,746	$235,686	-0.1%
Expenses	$261,806	$243,306	+0.1%
Net Income	$-39,060	$-7,620	+4.1%

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

N/A

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
MELISSA MCCUMBER	TRASURER	1.00	Officer	$0	$0	$0
GREGG LANZA	PRESIDENT	12.75	Officer	$0	$0	$0
ERIN COOK	DIRECTOR	1.00	Officer	$0	$0	$0
KATHRYN MUNIZ	SECRETARY	1.00	Officer	$0	$0	$0
KRISTI JENSEN	DIRECTOR	1.00	Officer	$0	$0	$0
STEVE MCCASLIN	DIRECTOR	1.00	Officer	$0	$0	$0
HEATHER CARDER	DIRECTOR	1.00	Officer	$0	$0	$0
MEGAN VARNER-DUCKETT	DIRECTOR	1.00	Officer	$0	$0	$0
NATALIE COVINGTON	DIRECTOR	1.00	Officer	$0	$0	$0
JULIANA ULUAVE-GOULD	DIRECTOR	1.00	Officer	$0	$0	$0
MEAGN WISE	DIRECTOR	1.00	Officer	$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	$222,746	$261,806	$50,972	$-39,060
2023	$235,686	$243,306	$90,221	$-7,620
2022	$229,822	$225,273	$97,283	$4,549

OAK HARBOR MAIN STREET ASSOCIATION