GUMBORO COMMUNITY ASSOCIATION INC (EIN 510381956) - 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

1998

Legal Domicile

Principal Officer

Sheila Tracy

Phone

3022387435

Tax Period

2025-01-01 to 2025-12-31

GUMBORO COMMUNITY ASSOCIATION INC, founded in 1998, is a micro nonprofit in the Community Improvement sector that reported $80K in total revenue in fiscal year 2025. Revenue surged 25% from the prior year, signaling strong growth momentum. Net assets of $462K represent 69 months of operating reserves.

Mission

TO PROVIDE RECREATIONAL & EDUCATIONAL ACTIVITIES FOR THE YOUTH & THE ELDERLY OF THE COMMUNITY. ALSO, TO PROVIDE MEETING PLACES FOR THE VARIOUS CIVIC GROUPS.

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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 $65,560

Program Service Revenue $0

Investment Income $0

Other Revenue $14,573

TOTAL REVENUE $80,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $13,857

Program Expenses $63,322

Other Expenses $77,924

TOTAL EXPENSES $77,924

Year-over-Year Comparison

	2025	2024	Change
Revenue	$80,133	$64,230	+0.2%
Expenses	$77,924	$77,161	+0.0%
Net Income	$2,209	$-12,931	-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	Reportable Comp	Other Comp	Total
TERRY OLIPHANT	PRESIDENT	10.00	$0	$0	$0
HOLLY DATTILO	VICE PRES.	10.00	$0	$0	$0
EDITH RICKARDS	SECRETARY	10.00	$0	$0	$0
SHEILA TRACY	TREASURER	10.00	$0	$0	$0
CAROL OLIPHANT	BOARD MEMBER	N/A	$0	$0	$0
RONNIE DAVIS	BOARD MEMBER	N/A	$0	$0	$0
BARBARA BAKER	BOARD MEMBER	N/A	$0	$0	$0
THELMA BANKS	BOARD MEMBER	N/A	$0	$0	$0
DORIS WOOTEN	BOARD MEMBER	N/A	$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	$80,133	$77,924	$462,382	$2,209
2024	$64,230	$77,161	$487,478	$-12,931
2023	$260,546	$54,681	$513,906	$205,865

GUMBORO COMMUNITY ASSOCIATION INC