TREASURE COAST BUILDERS ASSOCIATION CHARITABLE FUND INC (EIN 650008825) - 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

1987

Legal Domicile

Principal Officer

DEBORAH FRAZIER

Phone

7723368222

Tax Period

2024-01-01 to 2024-12-31

TREASURE COAST BUILDERS ASSOCIATION CHARITABLE FUND INC, founded in 1987, is a micro nonprofit that reported $60K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Expenses of $85K exceeded revenue, resulting in a 43% operating deficit.

Mission

A FUND THAT SUPPORTS NON-PROFIT ORGANIZATIONS AND INDIVIDUALS ON THE TREASURE COAST AREA OF FLORIDA.

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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 $35,388

Program Service Revenue $10,600

Investment Income $3,099

Other Revenue $10,546

TOTAL REVENUE $59,633

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,702

Program Expenses $79,088

Other Expenses $85,042

TOTAL EXPENSES $85,042

Year-over-Year Comparison

	2024	2023	Change
Revenue	$59,633	$68,622	-0.1%
Expenses	$85,042	$62,708	+0.4%
Net Income	$-25,409	$5,914	-5.3%

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

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
CATHY BARHAM	DIRECTOR	1.00	Director	$0	$0	$0
JEFF BOWERS	LIFE DIRECTO	1.00	Director	$0	$0	$0
JAMES BRANN	LIFE DIRECTO	1.00	Director	$0	$0	$0
JEFF BRAUN	LIFE DIRECTO	1.00	Director	$0	$0	$0
BOB CALHOUN	1ST VICE PRE	1.00	Director	$0	$0	$0
CHRISTINE CANDIFF-LEWIS	BREAKFAST CH	1.00	Director	$0	$0	$0
BOB CENK	LIFE DIRECTO	1.00	Director	$0	$0	$0
JOE CIARAVINO	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
WENDY DITTMAR	LIFE DIRECTO	1.00	Director	$0	$0	$0
STEPHANY EDDOWES	SECRETARY	1.00	Officer Director	$0	$0	$0
RON FERSCHKE	LIFE DIRECTO	1.00	Director	$0	$0	$0
DEBORAH FRAZIER	EXECUTIVE OF	10.00	Officer Director	$0	$0	$0
TONY GROZA	DIRECTOR	1.00	Director	$0	$0	$0
CINDY HALL	LIFE DIRECTO	1.00	Director	$0	$0	$0
CAROLINE HAMBY	2ND VICE PRE	1.00	Officer Director	$0	$0	$0
RYAN HANSEN	PRESIDENT	1.00	Officer Director	$0	$0	$0
GLENN HASELL	BREAKFAST CH	1.00	Director	$0	$0	$0
BENJAMIN HAYNES	TREASURER	1.00	Director	$0	$0	$0
MICHAEL JOHNSTON	LIFE DIRECTO	1.00	Director	$0	$0	$0
RONNIE KIRCHMAN	LIFE DIRECTO	1.00	Director	$0	$0	$0
VERONICA KOLIBAB	DIRECTOR	1.00	Director	$0	$0	$0
JON LONG	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN MACEVOY	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT MCCRACKEN	LIFE DIRECTO	1.00	Director	$0	$0	$0
PAULA MCNIGHT	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA NOLL	DIRECTOR	1.00	Director	$0	$0	$0
KEN RINGE	LIFE DIRECTO	1.00	Director	$0	$0	$0
LLOYD ROGERS	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTY ROMANO	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS SORENSON	LIFE DIRECTO	1.00	Director	$0	$0	$0
TONY VALLE	DIRECTOR	1.00	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
2024	$59,633	$85,042	$158,011	$-25,409
2023	$68,622	$62,708	$153,278	$5,914
2022	$60,709	$7,009	$147,364	$53,700
2021	$36,604	$8,222	$93,664	$28,382
2020	$18,367	$6,559	$65,282	$11,808
2019	$10,244	$11,847	$53,474	$-1,603
2018	$20,667	$16,050	$55,256	$4,617

TREASURE COAST BUILDERS ASSOCIATION CHARITABLE FUND INC