NESS COUNTY BANK BUILDING FOUNDATION INC (EIN 480976393) - 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

1984

Legal Domicile

Principal Officer

CINDA FLAX

Phone

7857983298

Tax Period

2025-01-01 to 2025-12-31

NESS COUNTY BANK BUILDING FOUNDATION INC, founded in 1984, is a micro nonprofit that reported $13K in total revenue in fiscal year 2025. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $58K exceeded revenue, resulting in a 351% operating deficit.

Mission

PRESERVATION OF HISTORICAL COMMUNITY LANDMARK.

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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 $32,714

Program Service Revenue $0

Investment Income $3,677

Other Revenue $-23,506

TOTAL REVENUE $12,885

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $58,098

Other Expenses $58,098

TOTAL EXPENSES $58,098

Year-over-Year Comparison

	2025	2024	Change
Revenue	$12,885	$51,507	-0.7%
Expenses	$58,098	$45,339	+0.3%
Net Income	$-45,213	$6,168	-8.3%

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

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
RAY WITTHUHN	Director	1.00	Director	$0	$0	$0
KYLE ANTENEN	Director	1.00	Director	$0	$0	$0
SHAUNDA VOGEL	Director	1.00	Director	$0	$0	$0
GARY GANTZ	Vice President	1.00	Officer Director	$0	$0	$0
DREW CLARKE	Director	1.00	Director	$0	$0	$0
DEB STENZEL	Director	1.00	Director	$0	$0	$0
DEBBIE GRAVENSTINE	Director	1.00	Director	$0	$0	$0
ADDISON FLAX	Director	1.00	Director	$0	$0	$0
BRENT KERR	President	1.00	Officer Director	$0	$0	$0
CINDA FLAX	Secretary	1.00	Officer Director	$0	$0	$0
PAT FELLHOELTER	Director	1.00	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	$12,885	$58,098	$702,120	$-45,213
2024	$51,507	$45,339	$747,333	$6,168
2023	$130,268	$48,718	$733,773	$81,550
2022	$30,192	$40,036	$652,223	$-9,844
2021	$35,941	$90,013	$662,067	$-54,072
2020	$45,001	$88,220	$675,910	$-43,219
2019	$50,459	$72,600	$665,321	$-22,141
2018	$129,931	$33,704	$687,462	$96,227

NESS COUNTY BANK BUILDING FOUNDATION INC