MONTFORD POINT MARINE ASSOCIATION CHAPTER 10 AND L (EIN 561425253) - 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

2003

Legal Domicile

Principal Officer

NATHANIEL JAMES JR

Phone

9103535871

Tax Period

2022-10-01 to 2023-09-30

MONTFORD POINT MARINE ASSOCIATION CHAPTER 10 AND L, founded in 2003, is a small nonprofit that reported $228K in total revenue in fiscal year 2022. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $41K, a strong 18% operating margin.

Mission

COMMUNITY IMPROVEMENT

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $202,934

Investment Income $0

Other Revenue $25,306

TOTAL REVENUE $228,240

Expense Breakdown

Grants Paid $1,300

Salaries & Benefits $0

Fundraising Expenses $1,307

Other Expenses $186,146

TOTAL EXPENSES $187,446

Year-over-Year Comparison

	2022	2021	Change
Revenue	$228,240	$203,859	+0.1%
Expenses	$187,446	$192,200	0.0%
Net Income	$40,794	$11,659	+2.5%

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

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
MARIBEL DORSEY	BOARD MEMBER	1	Director	$0	$0	$0
SYLVESTER HOWARD	BOARD MEMBER	1	Director	$0	$0	$0
ISAIAH JOHNSON	BOARD MEMBER	1	Director	$0	$0	$0
GLOVER LEWIS III	BOARD MEMBER	1	Director	$0	$0	$0
LYNETTE BUSH	BOARD MEMBER	1	Director	$0	$0	$0
NATHANIEL JAMES	PRESIDENT	1	Officer	$0	$0	$0
RICHARD REED	FIN SEC	20	Officer	$0	$0	$0
TIKISHIA SMILEY	TREASURER	1	Officer	$0	$0	$0
ROBERT WILLIAMS	SARGEANT AT ARMS	1	Officer	$0	$0	$0
JUDY JAMES	LADIES SECRETARY	1	Officer	$0	$0	$0
GWENDOLYN MADDOX	LADIES PRESIDENT	1	Officer	$0	$0	$0
RENEA LEWIS	LADIES PUBLIC RELATIONS	1	Officer	$0	$0	$0
ADAM HERRING	VICE PRESIDENT	1	Officer	$0	$0	$0
FRANSETTA MARTIN	LADIES VP	1	Officer	$0	$0	$0
DEMPSEY LLOYD	SECRETARY	20	Officer	$0	$0	$0
LORENZO JONES	PUBLIC RELATIONS	20	Officer	$0	$0	$0
MICHAEL WILLIAMS	TREASURER	20	Officer	$0	$0	$0
LLOYD MULDROW	CHAPLAIN	5	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
2023	$228,240	$187,446	$705,759	$40,794
2022	$203,859	$192,200	$678,335	$11,659
2021	$138,858	$100,161	$686,031	$38,697
2020	$86,180	$81,568	$647,334	$4,612
2019	$151,273	$137,638	$656,153	$13,635
2018	$141,364	$134,926	$677,541	$6,438

MONTFORD POINT MARINE ASSOCIATION CHAPTER 10 AND L