OVERTURE BAND PROGRAMS INC (EIN 800109187) - 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

2004

Legal Domicile

Principal Officer

NADINE KERL

Phone

6088771313

Tax Period

2024-07-01 to 2025-06-30

OVERTURE BAND PROGRAMS INC, founded in 2004, is a small nonprofit in the Arts, Culture & Humanities sector that reported $325K in total revenue in fiscal year 2024.

Mission

OVERTURE BAND PROGRAMS PROVIDES MUSIC EDUCATION & PERFORMANCE OPPORTUNITIES TO STUDENTS IN PRIVATE & PAROCHIAL SCHOOLS & HOME SCHOOLED STUDENTS THROUGH QUALITY BAND PROGRAMS.

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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 $6,755

Program Service Revenue $318,448

Investment Income $82

Other Revenue $0

TOTAL REVENUE $325,285

Expense Breakdown

Grants Paid $4,237

Salaries & Benefits $300,804

Fundraising Expenses $0

Program Expenses $264,134

Other Expenses $15,881

TOTAL EXPENSES $320,922

Year-over-Year Comparison

	2024	2023	Change
Revenue	$325,285	$312,821	+0.0%
Expenses	$320,922	$305,171	+0.1%
Net Income	$4,363	$7,650	-0.4%

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

$144,904

Total Directors

$214,582

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NADINE KERL	PRESIDENT/TREAS.	40.00	Officer Director	$72,755	$0	$72,755
KELLI SELJE	VICE PRES./SECRETARY	40.00	Officer Director	$72,149	$0	$72,149
CHRIS ESHUN	DIRECTOR	N/A	Director	$0	$0	$0
MARY KUBLY	DIRECTOR	N/A	Director	$0	$0	$0
YVONNE SCHWINGE	DIRECTOR	40.00	Director	$69,678	$0	$69,678

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	$325,285	$320,922	$180,834	$4,363
2024	$312,821	$305,171	$178,002	$7,650
2023	$299,941	$290,812	$169,451	$9,129
2022	$320,406	$274,420	$159,692	$45,986
2021	$191,560	$218,549	$160,990	$-26,989

OVERTURE BAND PROGRAMS INC