MUSICAL OBSERVATIONS INC (EIN 510176954) - 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

1975

Legal Domicile

Principal Officer

CRAIG PEPPLES

Phone

8458765200

Tax Period

2023-01-01 to 2023-12-31

MUSICAL OBSERVATIONS INC, founded in 1975, is a small nonprofit in the Arts, Culture & Humanities sector that reported $105K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $43K, a strong 41% operating margin.

Mission

APPRECIATION OF 20TH CENTURY MUSIC. MUSICAL OBSERVATIONS INC HAD MORE THAN 174,000 WORLDWIDE ELECTRONIC DOWNLOADS OF OUR CD TRACKS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $40,000

Program Service Revenue $896

Investment Income $61,432

Other Revenue $2,833

TOTAL REVENUE $105,161

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $31,850

Other Expenses $61,881

TOTAL EXPENSES $61,881

Year-over-Year Comparison

	2023	2022	Change
Revenue	$105,161	$117,407	-0.1%
Expenses	$61,881	$42,615	+0.5%
Net Income	$43,280	$74,792	-0.4%

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

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
ANDREW ZHOU	Secretary/Treas	Officer	$0	$0	$0
CRAIG PEPPLES	President	Officer	$0	$0	$0
JEFFREY TWITCHELL-WAAS	Vice President	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$105,161	$61,881	$2,410,001	$43,280
2022	$117,407	$42,615	$2,292,781	$74,792
2021	$119,572	$40,873	$2,398,896	$78,699
2020	$48,302	$45,125	$2,203,014	$3,177
2019	$86,946	$77,681	$2,143,046	$9,265
2018	$53,196	$99,434	$1,956,884	$-46,238

MUSICAL OBSERVATIONS INC