DOWNTOWN JASPER BUSINESS ASSOCIATION (EIN 473854043) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2015

Legal Domicile

Phone

2052215454

Tax Period

2025-01-01 to 2025-12-31

DOWNTOWN JASPER BUSINESS ASSOCIATION, founded in 2015, is a small nonprofit in the Community Improvement sector that reported $250K in total revenue in fiscal year 2021. The organization ran a surplus of $65K, a strong 26% operating margin.

Mission

TO CREATE COMMERCIAL ACTIVITY IN DOWNTOWN JASPER, ALABAMA BY PROMOTING THE GENERAL ATMOSPHERE OF THE AREA FOR THE BENEFIT OF THE RETAIL BUSINESS AND TO UNITE THE DOWNTOWN MERCHANTS AND PROFESSIONALS. DJBA WILL EDUCATE THE PUBLIC ABOUT THE HISTORY OF DOWNTOWN JASPER WITH THE HOPE OF ENCOURAGING COOPERATION AND BUILDING LEADERSHIP IN THE BUSNIESS COMMUNITY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $544,643

Program Service Revenue $0

Investment Income $100

Other Revenue $-164,053

TOTAL REVENUE $380,690

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,150

Fundraising Expenses $0

Program Expenses $356,538

Other Expenses $269,196

TOTAL EXPENSES $417,346

Year-over-Year Comparison

	2025	2024	Change
Revenue	$380,690	$274,164	+0.4%
Expenses	$417,346	$313,974	+0.3%
Net Income	$-36,656	$-39,810	-0.1%

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

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	Role	Reportable Comp	Other Comp	Total
DEBBIE YOUNG SANDERS	President	Director	$0	$0	$0
FRED G MAY	Vice President	Director	$0	$0	$0
GEORGE A RICHARDSON	Secretary	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	$380,690	$417,346	$1,103,183	$-36,656
2024	No data	No data	No data	No data
2023	$335,521	$295,336	$540,063	$40,185
2022	$368,079	$295,339	$243,823	$72,740
2021	$249,976	$184,884	$174,769	$65,092

DOWNTOWN JASPER BUSINESS ASSOCIATION