URBANNA MAIN STREET INC

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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

Legal Domicile

Principal Officer

SUSAN ARMENTROUT

Phone

8045396176

Tax Period

2025-01-01 to 2025-12-31

URBANNA MAIN STREET INC is a micro nonprofit in the Arts, Culture & Humanities sector that reported $29K in total revenue in fiscal year 2025. Revenue fell 40% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $18K, a strong 62% operating margin.

Mission

THE MISSION OF URBANNA MAIN STREET INC IS GUIDED BY A DEEP COMMITMENT TO COMMUNITY, COLLABORATION, AND REVITALIZATION, TO EMPOWER URBANNA'S FUTURE THROUGH SUSTAINABLE INVESTMENTS IN TOURISM AND ECONOMIC GROWTH TO FOSTER COMMUNITY IN THE HISTORIC PORT TOWN, WHILE PRESERVING THE TOWN'S RICH HISTORY.

Program Service Accomplishments

Program 1

Expenses: $2,000 Revenue: $4,650

EVENTS WERE HELD AND FUNDS WERE RAISED TO SUPPORT THE URBANNA CAT PROJECT, WHICH SEEKS TO MAKE AN EFFECTIVE, HUMANE, COOPERATIVE, AND LASTING IMPACT ON THE FERAL CAT POPULATION OF URBANNA, WHICH HAS...

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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 (2025)

Revenue Breakdown

Contributions & Grants $13,400

Program Service Revenue $3,000

Investment Income $84

Other Revenue $12,066

TOTAL REVENUE $28,550

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,000

Other Expenses $8,904

TOTAL EXPENSES $10,904

Year-over-Year Comparison

	2025	2024	Change
Revenue	$28,550	$47,641	-0.4%
Expenses	$10,904	$158,778	-0.9%
Net Income	$17,646	$-111,137	-1.2%

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

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
MEGHAN HALL	President	5.00	Officer Director	$0	$0	$0
SARAH JANE WYATT	Vice President	5.00	Officer Director	$0	$0	$0
AMY DENNEY	Secretary	5.00	Officer Director	$0	$0	$0
SUSAN ARMENTROUT	Treasurer	5.00	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	$28,550	$10,904	$48,379	$17,646
2024	$47,641	$158,778	$30,732	$-111,137
2023	$258,507	$150,400	$141,869	$108,107