RETAIL ADVANCEMENT FUND (EIN 843933913) - 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

2019

Legal Domicile

Principal Officer

NANCY THOMAS

Phone

8046625500

Tax Period

2025-01-01 to 2025-12-31

RETAIL ADVANCEMENT FUND, founded in 2019, is a small nonprofit in the Community Improvement sector that reported $268K in total revenue in fiscal year 2021. Revenue surged 114% from the prior year, signaling strong growth momentum.

Mission

TO SUPPORT AND EXPAND THE CHARITABLE ACTIVITES OF THE RETAIL MERCHANTS ASSOCIATION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $200,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $200,000

Expense Breakdown

Grants Paid $93,604

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $93,604

Other Expenses $90,274

TOTAL EXPENSES $183,878

Year-over-Year Comparison

	2025	2024	Change
Revenue	$200,000	$175,000	+0.1%
Expenses	$183,878	$193,607	-0.1%
Net Income	$16,122	$-18,607	-1.9%

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

$324,196

Total Directors

$324,196

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT ARONSON	DIRECTOR	0.50	Director	$0	$0	$0
KEVIN REARSON	DIRECTOR	0.50	Director	$0	$0	$0
AARON MONTGOMERY	DIRECTOR	0.50	Director	$0	$0	$0
STEVE ROSSER	DIRECTOR	0.50	Director	$0	$0	$0
NANCY THOMAS	PRESIDENT/CEO	1.00	Officer Director	$0	$17,023	$212,279
DIANA MCMAHON	SECRETARY/TREASURER	1.00	Officer Director	$0	$9,899	$111,917

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	$200,000	$183,878	$94,548	$16,122
2024	$175,000	$193,607	$80,813	$-18,607
2023	$200,000	$262,766	$99,850	$-62,766
2022	$328,500	$235,401	$199,623	$93,099
2021	$268,000	$279,129	$141,837	$-11,129

RETAIL ADVANCEMENT FUND