EMERALD COAST BUSINESS WOMEN'S ASSOCIATI (EIN 562501532) - 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

2005

Legal Domicile

Principal Officer

TINA RUTHERFORD

Phone

8507696323

Tax Period

2018-05-01 to 2019-04-30

EMERALD COAST BUSINESS WOMEN'S ASSOCIATI, founded in 2005, is a micro nonprofit in the Education sector that reported $5K in total revenue in fiscal year 2018. Revenue fell 90% from the prior year — a significant decline worth monitoring. Expenses of $28K exceeded revenue, resulting in a 427% operating deficit.

Mission

TO PROVIDE WOMEN WITH THE KNOWLEDGE, SUPPORT, AND SKILLS NECESSARY TO BETTER THEMSELVES PERSONALLY AND WITHIN THE COMMUNITY.

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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 (2018)

Revenue Breakdown

Contributions & Grants $1,908

Program Service Revenue $2,832

Investment Income $304

Other Revenue $204

TOTAL REVENUE $5,248

Expense Breakdown

Grants Paid $20,715

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $27,078

Other Expenses $6,919

TOTAL EXPENSES $27,634

Year-over-Year Comparison

	2018	2017	Change
Revenue	$5,248	$51,277	-0.9%
Expenses	$27,634	$30,370	-0.1%
Net Income	$-22,386	$20,907	-2.1%

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

N/A

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
MORGAN BURLESON	MEMBER	1.00	Director	$0	$0	$0
PAMELA JOHNSON	MEMBER	1.00	Director	$0	$0	$0
KIM NIX	MEMBER	1.00	Director	$0	$0	$0
TERESA KING	MEMBER	1.00	Director	$0	$0	$0
PHILOMENA MARTRAIN	MEMBER	1.00	Director	$0	$0	$0
LEE ANN MILLS	MEMBER	1.00	Director	$0	$0	$0
BROOKE BULLARD	PRESIDENT	2.00	Officer	$0	$0	$0
TINA RUTHERFORD	TREASURER	1.00	Officer	$0	$0	$0
PRISCILLA HAGLER	VICE PRESIDENT	1.00	Officer	$0	$0	$0
MARCIA PELL	SECRETARY	1.00	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
2019	$5,248	$27,634	$66,837	$-22,386
2018	$51,277	$30,370	$88,022	$20,907

EMERALD COAST BUSINESS WOMEN'S ASSOCIATI