HALF MOON BAY COMMERCIAL FISHERIES TRUST (EIN 474501396) - 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

Legal Domicile

Principal Officer

KATE BONZON

Phone

6502552063

Tax Period

2020-01-01 to 2020-12-31

HALF MOON BAY COMMERCIAL FISHERIES TRUST, founded in 2013, is a micro nonprofit that reported $32K in total revenue in fiscal year 2020. Revenue fell 51% from the prior year — a significant decline worth monitoring. Expenses of $59K exceeded revenue, resulting in a 81% operating deficit.

Mission

TO SUSTAIN DURABLE LOCAL FISHING BUSINESSES, SUPPORT A THRIVING AND RESILIENT PORT COMMUNITY, AND TO PROTECT OUR OCEAN ECOSYSTEM AND HALF MOON BAY FISHING ECONOMY FOR FUTURE GENERATIONS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $26,700

Program Service Revenue $5,775

Investment Income $0

Other Revenue $0

TOTAL REVENUE $32,475

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $36,370

Other Expenses $58,870

TOTAL EXPENSES $58,870

Year-over-Year Comparison

	2020	2019	Change
Revenue	$32,475	$65,910	-0.5%
Expenses	$58,870	$61,388	0.0%
Net Income	$-26,395	$4,522	-6.8%

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

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
KATE BONZON	BOARD MEMBER	4.00	Director	$0	$0	$0
STEVE FITZ	BOARD MEMBER	4.00	Director	$0	$0	$0
AMY BROOME	BOARD MEMBER	4.00	Director	$0	$0	$0
LISA DAMROSCH	SECRETARY/EXECUTIVE DIRECT	12.00	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
2020	$32,475	$58,870	$73,210	$-26,395
2019	$65,910	$61,388	$90,300	$4,522
2018	$141,235	$134,334	$91,381	$6,901

HALF MOON BAY COMMERCIAL FISHERIES TRUST