NORTH COAST SMALL BUSINESS RESOURCE CENTER (EIN 680070019) - 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

1985

Legal Domicile

Principal Officer

GREGG FOSTER

Phone

7074459720

Tax Period

2018-01-01 to 2018-12-31

NORTH COAST SMALL BUSINESS RESOURCE CENTER, founded in 1985, is a micro nonprofit in the Community Improvement sector that reported $66K in total revenue in fiscal year 2018. Expenses of $107K exceeded revenue, resulting in a 61% operating deficit.

Mission

THE MISSION OF THE NORTH COAST SMALL BUSINESS RESOURCE CENTER AND ITS SBDC PROGRAM IS TO CULTIVATE SMALL BUSINESS SUCCESS IN HUMBOLDT AND DEL NORTE COUNTIES BY PROVIDING HIGH-QUALITY TECHNICAL SUPPORT, TRAINING AND IN-DEPTH FINANCIAL ANALYSIS FOR START-UP AND EXISTING COMPANIES.

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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 $66,247

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $66,247

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $104,247

Other Expenses $106,593

TOTAL EXPENSES $106,593

Year-over-Year Comparison

	2018	2017	Change
Revenue	$66,247	N/A	N/A
Expenses	$106,593	$2,987	+34.7%
Net Income	$-40,346	$-2,987	+12.5%

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
GREGG FOSTER	PRESIDENT	4.00	Officer Director	$0	$0	$0
JENNIFER BUDWIG	VICE-PRESIDENT	4.00	Officer Director	$0	$0	$0
ELI NAFFAH	DIRECTOR	4.00	Director	$0	$0	$0
DARUS TRUTNA	DIRECTOR	4.00	Director	$0	$0	$0
LAURIE MARK	DIRECTOR	4.00	Director	$0	$0	$0
T AARON CARTER	FORMER DIRECTOR	4.00	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
2018	$66,247	$106,593	$1,632	$-40,346

NORTH COAST SMALL BUSINESS RESOURCE CENTER