MAINSTREET EL DORADO (EIN 710669438) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1988

Legal Domicile

Principal Officer

BETH BRUMLEY

Phone

8708624747

Tax Period

2023-01-01 to 2023-12-31

MAINSTREET EL DORADO, founded in 1988, is a small nonprofit in the Community Improvement sector that reported $211K in total revenue in fiscal year 2018. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $234K exceeded revenue, resulting in a 11% operating deficit.

Mission

STIMULATE ECONOMIC DEVELOPMENT IN DOWNTOWN EL DORADO, ARKANSAS

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $370,994

Program Service Revenue $85,584

Investment Income $150

Other Revenue $8,897

TOTAL REVENUE $465,625

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,021

Fundraising Expenses $25,256

Program Expenses $385,782

Other Expenses $380,084

TOTAL EXPENSES $481,105

Year-over-Year Comparison

	2023	2022	Change
Revenue	$465,625	$359,024	+0.3%
Expenses	$481,105	$361,109	+0.3%
Net Income	$-15,480	$-2,085	+6.4%

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

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

$60,083

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMELIA PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
COURTNEY CROTTY	DIRECTOR	1.00	Director	$0	$0	$0
KAREN TODD	DIRECTOR	1.00	Director	$0	$0	$0
KRISTY HAYDEN	TREASURER	1.00	Director	$0	$0	$0
JENNIFER BOLIN	DIRECTOR	1.00	Director	$0	$0	$0
DAWNE KELLEY	PRESIDENT	1.00	Officer Director	$0	$0	$0
MELODY MORROW	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE CLARK	DIRECTOR	1.00	Director	$0	$0	$0
PAUL WASCHKA	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
GREG WITHROW	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
MELISSA BALENTINE	SECRETARY	1.00	Officer Director	$0	$0	$0
SARAH WALLS	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA YOUNG	DIRECTOR	1.00	Director	$0	$0	$0
LUIS ANTONIO	DIRECTOR	1.00	Director	$0	$0	$0
CHAD MOSBY	DIRECTOR	1.00	Director	$0	$0	$0
BETH BRUMLEY	EXECUTIVE DIRECTOR	30.00	Officer	$60,083	$0	$60,083

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	No data	No data	No data	No data
2023	$465,625	$481,105	$52,540	$-15,480
2022	$359,024	$361,109	$65,476	$-2,085
2021	$308,281	$276,937	$86,253	$31,344
2020	$220,097	$221,086	$37,209	$-989
2019	$215,134	$203,280	$37,021	$11,854
2018	$211,008	$233,510	$27,816	$-22,502

MAINSTREET EL DORADO