MIDDLE SUSQUEHANNA RIVERKEEPER ASSOCIATION INC (EIN 475000692) - 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

2012

Principal Officer

WALTER BINGAMAN

Phone

5707686300

Tax Period

2024-01-01 to 2024-12-31

MIDDLE SUSQUEHANNA RIVERKEEPER ASSOCIATION INC, founded in 2012, is a small nonprofit in the Environment sector that reported $198K in total revenue in fiscal year 2024. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $337K exceeded revenue, resulting in a 70% operating deficit.

Mission

TO SUPPORT THE CLEAN WATER ADVOCACY WORK OF THE MIDDLE SUSQUEHANNA RIVER AREA.

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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 $147,235

Program Service Revenue $24,292

Investment Income $24,776

Other Revenue $1,909

TOTAL REVENUE $198,212

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,751

Fundraising Expenses $0

Program Expenses $256,651

Other Expenses $236,522

TOTAL EXPENSES $337,273

Year-over-Year Comparison

	2024	2023	Change
Revenue	$198,212	$458,429	-0.6%
Expenses	$337,273	$132,132	+1.6%
Net Income	$-139,061	$326,297	-1.4%

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

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

$57,120

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN ZAKTANSKY	EXECUTIVE DI	40.00	Director	$57,120	$0	$57,120
ERIC BELFANTI	OFFICER	N/A	Officer	$0	$0	$0
WALTER BINGAMAN	TREASURER	N/A	Officer	$0	$0	$0
KATIE CAPUTO	SECRETARY	N/A	Officer	$0	$0	$0
MICHAEL KINNEY	PRESIDENT	N/A	Officer	$0	$0	$0
DR JOSEPH SIMONS	VICE-PRESIDE	N/A	Officer	$0	$0	$0
DEB STERANSKY	OFFICER	N/A	Officer	$0	$0	$0
CHERYL TERPAK	OFFICER	N/A	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
2024	$198,212	$337,273	$472,403	$-139,061
2023	$458,429	$132,132	$610,531	$326,297
2022	$115,163	$138,624	$283,584	$-23,461
2021	$329,812	$101,158	$306,581	$228,654

MIDDLE SUSQUEHANNA RIVERKEEPER ASSOCIATION INC