CONNECTICUT MARINE TRADES ASSOCIATION I (EIN 510183016) - 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

1954

Legal Domicile

Phone

8607672645

Tax Period

2024-07-01 to 2025-06-30

CONNECTICUT MARINE TRADES ASSOCIATION I, founded in 1954, is a small nonprofit that reported $802K in total revenue in fiscal year 2024. The organization ran a surplus of $169K, a strong 21% operating margin.

Mission

TO PROMOTE MUTUAL CONFIDENCE AND COOPERATION AMONG PERSONS ENGAGED IN THE MARINE INDUSTRY

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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 $103,452

Program Service Revenue $655,982

Investment Income $18,637

Other Revenue $24,181

TOTAL REVENUE $802,252

Expense Breakdown

Grants Paid $0

Salaries & Benefits $85,793

Fundraising Expenses $15,417

Program Expenses $549,450

Other Expenses $547,442

TOTAL EXPENSES $633,235

Year-over-Year Comparison

	2024	2023	Change
Revenue	$802,252	$843,313	0.0%
Expenses	$633,235	$590,250	+0.1%
Net Income	$169,017	$253,063	-0.3%

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

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

$77,724

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TASHA CUSSON	CHAIRMAN	2.00	Officer Director	$0	$0	$0
BILL GARDELLA JR	1ST VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
DAVID CROCKER	TREASURER	2.00	Officer Director	$0	$0	$0
RON HELBIG	CHAIRMAN EMERITUS	2.00	Officer Director	$0	$0	$0
SAM CROCKER	DIRECTOR	1.00	Director	$0	$0	$0
JEFF FREIDAG	DIRECTOR	1.00	Director	$0	$0	$0
CINDY KARLSON	DIRECTOR	1.00	Officer Director	$0	$0	$0
BRUCE KURLYA	DIRECTOR	1.00	Director	$0	$0	$0
KATE MOSLEY	DIRECTOR	1.00	Officer Director	$0	$0	$0
BOB PETZOLD	2ND VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
TOM PILKINGTON	DIRECTOR	1.00	Director	$0	$0	$0
DEVIN SANTA	DIRECTOR	1.00	Director	$0	$0	$0
TED SAILER	DIRECTOR	1.00	Director	$0	$0	$0
MARK PASSERI	DIRECTOR	1.00	Director	$0	$0	$0
TAMMY STIEPHAUDT	DIRECTOR	1.00	Director	$0	$0	$0
CRISTA LAROCHELLE	DIRECTOR	1.00	Director	$0	$0	$0
JOSH TWIDWELL	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER KAWECKI	MANAGING DIRECTOR	40.00	Officer	$77,724	$0	$77,724

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	$802,252	$633,235	$814,443	$169,017
2024	$843,313	$590,250	$743,906	$253,063
2023	$753,037	$611,962	$455,386	$141,075
2022	$421,882	$397,274	$374,422	$24,608
2021	$187,531	$160,325	$369,891	$27,206
2020	$909,415	$856,083	$305,088	$53,332
2019	$900,138	$894,713	$317,972	$5,425

CONNECTICUT MARINE TRADES ASSOCIATION I