South Texas Symphony Association Inc (EIN 741939277) - 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

1976

Legal Domicile

Principal Officer

Joshua A Cummings

Phone

9566611615

Tax Period

2024-06-01 to 2025-05-31

South Texas Symphony Association Inc, founded in 1976, is a community nonprofit in the Arts, Culture & Humanities sector that reported $1.2M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $1.0M left a modest 13% surplus.

Mission

To engage and inspire the Rio Grande Valley through high quality orchestral and ensemble performances, educational programs, and community based events.

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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 $533,312

Program Service Revenue $547,413

Investment Income $84,751

Other Revenue $19,656

TOTAL REVENUE $1,185,132

Expense Breakdown

Grants Paid $0

Salaries & Benefits $353,585

Fundraising Expenses $162,632

Program Expenses $643,956

Other Expenses $679,786

TOTAL EXPENSES $1,033,371

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,185,132	$991,982	+0.2%
Expenses	$1,033,371	$935,273	+0.1%
Net Income	$151,761	$56,709	+1.7%

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

Total Directors

Key Employees

$113,821

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
David Lobel	Executive Director	50.00	Key Emp	$113,821	$0	$113,821
Joshua A Cummings	President	2.00	Officer Director	$0	$0	$0
Timothy A Sers	Vice President	2.00	Officer Director	$0	$0	$0
Sony Rego	Treasurer	2.00	Officer Director	$0	$0	$0
Erika Montanaro	Secretary	2.00	Officer Director	$0	$0	$0
Carlos Manrique	Director	1.00	Director	$0	$0	$0
Rutchie Contreras	Director	1.00	Director	$0	$0	$0
Michael Fallek	Director	1.00	Director	$0	$0	$0
Jason Phillips	Director	1.00	Director	$0	$0	$0
Sally Guerra	Director	1.00	Director	$0	$0	$0
Philip Johnson	Director (Ex-officio)	1.00	Director	$0	$0	$0
Suzanne McDonald	Director	1.00	Director	$0	$0	$0
Michaela Shuaib	Director	1.00	Director	$0	$0	$0
Nina Torkelson	Director	1.00	Director	$0	$0	$0
Daniel Silva	Director	1.00	Director	$0	$0	$0
Liudmila Zayed	Director	1.00	Director	$0	$0	$0
Joaquin Zamora	Director (Ex-officio)	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
2025	$1,185,132	$1,033,371	$840,550	$151,761
2023	$798,751	$900,172	$690,177	$-101,421
2022	$996,728	$816,482	$803,521	$180,246
2021	$515,856	$506,280	$648,632	$9,576
2020	$902,279	$761,626	$600,535	$140,653
2019	$773,973	$714,104	$442,795	$59,869
2018	$770,071	$762,181	$400,392	$7,890

South Texas Symphony Association Inc