CAPE ST CLAIRE BUSINESS & LOT OWNE… - Form 990 Financial Data

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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

MELISSA WADE

Phone

4107577492

Tax Period

2023-01-01 to 2023-12-31

CAPE ST CLAIRE BUSINESS & LOT OWNERS AS, founded in 1975, is a small nonprofit that reported $344K in total revenue in fiscal year 2023. The organization ran a surplus of $68K, a strong 20% operating margin.

Mission

TO PROMOTE COMMUNITY WELFARE AND CIVIC BETTERMENT IN THE COMMERCIAL AREA OF CAPE ST. CLAIRE, MD., WHICH CONSISTS OF FIFTY COMMERCIAL LOTS.

Program Service Accomplishments

Program 1

Expenses: $271,255 Revenue: $343,925

TO PROMOTE COMMUNITY WELFARE AND CIVIC BETTERMENT IN THE COMMERCIAL AREA OF CAPE ST. CLAIRE, MD.

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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 $0

Program Service Revenue $343,925

Investment Income $0

Other Revenue $0

TOTAL REVENUE $343,925

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,123

Fundraising Expenses $0

Program Expenses $271,255

Other Expenses $268,382

TOTAL EXPENSES $275,505

Year-over-Year Comparison

	2023	2022	Change
Revenue	$343,925	$351,164	0.0%
Expenses	$275,505	$321,973	-0.1%
Net Income	$68,420	$29,191	+1.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA WADE	PRESIDENT	1.00	Officer Director	$0	$0	$0
JULIANNE SULLIVAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROL SWINSKI	SECRETARY	1.00	Officer Director	$0	$0	$0
BRYAN GRAUL	TREASURER	1.00	Officer 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
2024	No data	No data	No data	No data
2023	$343,925	$275,505	$860,245	$68,420
2022	$351,164	$321,973	$803,165	$29,191
2021	$259,385	$215,624	$756,549	$43,761
2020	$260,554	$185,668	$770,465	$74,886
2019	$265,080	$226,738	$664,169	$38,342
2018	$259,505	$211,009	$596,773	$48,496

CAPE ST CLAIRE BUSINESS & LOT OWNERS AS