CENTRAL MARKET TRUST (EIN 760822944) - 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

2006

Legal Domicile

Principal Officer

BRADY LAUSCH

Phone

7177356890

Tax Period

2023-07-01 to 2024-06-30

CENTRAL MARKET TRUST, founded in 2006, is a small nonprofit that reported $797K in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $900K exceeded revenue, resulting in a 13% operating deficit.

Mission

WE ARE THE TRUSTED STEWARD OF LANCASTER CENTRAL MARKET CULTIVATING BUSINESSES, RELATIONSHIPS, AND COMMUNITY IN AND AROUND OUR PUBLIC MARKET.

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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 (2023)

Revenue Breakdown

Contributions & Grants $345,307

Program Service Revenue $434,762

Investment Income $14,926

Other Revenue $1,718

TOTAL REVENUE $796,713

Expense Breakdown

Grants Paid $0

Salaries & Benefits $354,581

Fundraising Expenses $93,496

Program Expenses $715,246

Other Expenses $545,213

TOTAL EXPENSES $899,794

Year-over-Year Comparison

	2023	2022	Change
Revenue	$796,713	$588,942	+0.4%
Expenses	$899,794	$870,067	+0.0%
Net Income	$-103,081	$-281,125	-0.6%

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

$112,750

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA SIWIEC	EXEC DIREC (	40.00	Officer	$112,750	$0	$112,750
TARRAH BARRIER	TRUSTEE	1.00	Director	$0	$0	$0
BENJAMIN BARR	TRUSTEE	1.00	Director	$0	$0	$0
PHILLIP CARAMENICO	SECRETARY	5.00	Officer Director	$0	$0	$0
JOCELYN ENGLE	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL J KREIDER	TRUSTEE	1.00	Director	$0	$0	$0
JOSHUA LYTLE	TREASURER	5.00	Officer Director	$0	$0	$0
AMANDA MANNING	VICE CHAIR	5.00	Officer Director	$0	$0	$0
BRUCE MARTIN	CHAIR	5.00	Officer Director	$0	$0	$0
NANCY MILLER	TRUSTEE	1.00	Director	$0	$0	$0
JOHN MULLINEAUX	TRUSTEE	1.00	Director	$0	$0	$0
REILLY NOETZEL	TRUSTEE	1.00	Director	$0	$0	$0
KIMBERLY RHEPPARD	TRUSTEE	5.00	Officer Director	$0	$0	$0
ANGEL ROSARIO	TRUSTEE	1.00	Director	$0	$0	$0
JAMES WHERLEY	TRUSTEE	1.00	Director	$0	$0	$0
DONNA LANGLEY	EXEC DIREC (	40.00	Officer	$0	$0	$0
BRADY LAUSCH	TREASURER	0.00	Officer	$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	No data	No data	No data	No data
2024	$796,713	$899,794	$646,765	$-103,081
2023	$588,942	$870,067	$725,830	$-281,125
2022	$461,872	$416,559	$996,852	$45,313
2021	$580,293	$400,390	$967,199	$179,903
2020	$489,584	$372,299	$768,175	$117,285
2019	$706,745	$1,404,433	$668,567	$-697,688

CENTRAL MARKET TRUST