ST CLOUD MAIN STREET 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

1999

Principal Officer

MEL WELCH

Phone

4074980008

Tax Period

2024-10-01 to 2025-09-30

ST CLOUD MAIN STREET INC, founded in 1999, is a small nonprofit in the Community Improvement sector that reported $234K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $286K exceeded revenue, resulting in a 22% operating deficit.

Mission

SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD.

Program Service Accomplishments

Program 1

Expenses: $76,427

1. SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD, STATE GRANT, COUNTY GRANT FROM BUY LOCAL AND SOCIAL MEDIA MARKETING...

1. SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD, STATE GRANT, COUNTY GRANT FROM BUY LOCAL AND SOCIAL MEDIA MARKETING, DONATIONS FROM ADVERTISING GRANT, BUSINESS ASSISTANCE GRANT, CRA, GENERAL AND OSCEOLA COUNTY.

Program 2

Expenses: $2,313 Revenue: $86,183

2. SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD.INCOME FROM ADVERTISING AND BROCHURES.INCOME FROM EVENTS: ANNUAL MEETING...

2. SUPPORT AND ENCOURAGE THE RESTORATION OF THE DOWNTOWN ST. CLOUD HISTORIC CHARACTER AND VIABILITY OF DOWNTOWN ST. CLOUD.INCOME FROM ADVERTISING AND BROCHURES.INCOME FROM EVENTS: ANNUAL MEETING, AUCTIONS, CORPORATE TABLE, BOAT RACES,HISTORIC HAPPY HOUR, RAFFLES, SALES OF BEER, WINE, FOOD, TICKETS, AUCTION SPONSOR, BAR SPONSORSHIP, CONTRIBUTOR, GAME, PREMIER. INCOME FROM FUNDRAISING: ADOPT A POT, BOB FISK BOOK, CALENDARS, CITY FLOWER, HISTORIC MARKER, HISTORIC THROW, LICENSE PLATE, MEMORY GARDEN BRICKS, MOVIE AD, POSTERS/POSTCARDS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $141,102

Program Service Revenue $86,183

Investment Income $1,525

Other Revenue $5,219

TOTAL REVENUE $234,029

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,769

Fundraising Expenses $14,453

Program Expenses $78,740

Other Expenses $137,076

TOTAL EXPENSES $285,845

Year-over-Year Comparison

	2024	2023	Change
Revenue	$234,029	$264,189	-0.1%
Expenses	$285,845	$260,731	+0.1%
Net Income	$-51,816	$3,458	-16.0%

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
KAREN GIEL	TREASURER	N/A	Officer Director	$0	$0	$0
WILLIAM R HEUSER	SECRETARY	N/A	Officer Director	$0	$0	$0
MELVIN LIWAG	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
KERRY SCOTT	PRESIDENT EL	N/A	Officer Director	$0	$0	$0
MEL WELCH	PRESIDENT	N/A	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
2025	$234,029	$285,845	$135,054	$-51,816
2024	$264,189	$260,731	$180,628	$3,458
2023	$290,152	$315,129	$174,679	$-24,977
2022	$207,555	$201,926	$189,282	$5,629
2021	$158,575	$157,319	$195,337	$1,256
2020	$226,463	$187,723	$180,894	$38,740