THE SEVERN RIVER ASSOCIATION 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

Formation Year

1911

Legal Domicile

Principal Officer

JESSE ILIFF

Phone

4107740317

Tax Period

2025-01-01 to 2025-12-31

THE SEVERN RIVER ASSOCIATION INC, founded in 1911, is a community nonprofit in the Environment sector that reported $1.4M in total revenue in fiscal year 2025. Revenue surged 44% from the prior year, signaling strong growth momentum. The organization ran a surplus of $360K, a strong 25% operating margin.

Mission

CONNECT THE PEOPLE WHO LIVE, WORK, AND PLAY ON THE SEVERN RIVER TO RESTORE AND PROTECT IT FOR ALL OF OUR COMMUNITIES

Program Service Accomplishments

Program 1

Expenses: $36,105 Revenue: $216,627

WATER QUALITY MONITORING - MONITORED 32 STATIONS EVERY WEEK WITH THE HELP OF 60 VOLUNTEERS. DATA COLLECTED INCLUDE, PH, DISSOLVED OXYGEN, SALINITY, AND CLARITY. INFORMATION IS USED TO PRODUCE A STATE...

Program 2

Expenses: $141,757

OFFERED EIGHT JOHN WRIGHT SPEAKER SERIES EVENTS FOR THE COMMUNITY TO LEARN ABOUT VARIOUS TOPICS RELEVANT TO THE SEVERN RIVER, WITH OVER 285 ATTENDEES.

Program 3

Expenses: $476,683

RESTORATION - PLANTED 23 MILLION OYSTERS ON SANCTUARY REEFS, COMPLETED THE GEORGETOWN EAST COMMUNITY RESTORATION PROJECT INSTALLING 5 BIORETENTION POOLS TO ADDRESS FLOODING.

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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 $1,158,274

Program Service Revenue $216,627

Investment Income $41,854

Other Revenue $2,158

TOTAL REVENUE $1,418,913

Expense Breakdown

Grants Paid $0

Salaries & Benefits $502,651

Fundraising Expenses $63,516

Program Expenses $654,545

Other Expenses $555,934

TOTAL EXPENSES $1,058,585

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,418,913	$983,962	+0.4%
Expenses	$1,058,585	$650,160	+0.6%
Net Income	$360,328	$333,802	+0.1%

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

104

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

$147,849

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSE ILIFF	EXECUTIVE DIRECTOR	040.00	Officer	$127,134	$20,715	$147,849
JOHN CRYAN	PRESIDENT	001.00	Officer Director	$0	$0	$0
BARBARA PALMER	VICE PRESIDENT	001.00	Officer Director	$0	$0	$0
JOHN TURNER	SECRETARY	001.00	Officer Director	$0	$0	$0
MIKE DAVIS	TREASURER	001.00	Officer Director	$0	$0	$0
BRYAN GOMES	DIRECTOR	001.00	Director	$0	$0	$0
JEFFREY P SCHOMIG	DIRECTOR	001.00	Director	$0	$0	$0
ROBERT BEACH	DIRECTOR	001.00	Director	$0	$0	$0
KRISTYN KUHN ECKEL	DIRECTOR	001.00	Director	$0	$0	$0
ROBERT GALLAGHER	DIRECTOR	001.00	Director	$0	$0	$0
KURT KARSTEN	DIRECTOR	001.00	Director	$0	$0	$0
JOANNA GOGER	DIRECTOR	001.00	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	$1,418,913	$1,058,585	$1,695,766	$360,328
2024	$983,962	$650,160	$1,323,259	$333,802
2023	$775,132	$514,841	$986,516	$260,291
2022	$796,834	$365,007	$719,725	$431,827
2021	$335,887	$191,728	$286,463	$144,159