Mount Carmel Area Community Center Catherine Besser (EIN 844606569) - 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

2020

Legal Domicile

Principal Officer

Catherine A Besser

Phone

5703393399

Tax Period

2024-01-01 to 2024-12-31

Mount Carmel Area Community Center Catherine Besser, founded in 2020, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $51K in total revenue in fiscal year 2024. Revenue fell 76% from the prior year — a significant decline worth monitoring. Expenses of $401K exceeded revenue, resulting in a 690% operating deficit.

Mission

To provide a location to enhance the cultural, social and educational development of all Mount Carmel Area School District residents.

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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 $50,766

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $50,766

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $373,226

Other Expenses $401,173

TOTAL EXPENSES $401,173

Year-over-Year Comparison

	2024	2023	Change
Revenue	$50,766	$213,164	-0.8%
Expenses	$401,173	$38,101	+9.5%
Net Income	$-350,407	$175,063	-3.0%

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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Catherine Besser	President	010.00	Officer Director	$0	$0	$0
Jake Betz	Secretary	008.00	Officer Director	$0	$0	$0
Judy Polites	Treasurer	006.00	Officer Director	$0	$0	$0
Charmaine Cimino	Director	005.00	Director	$0	$0	$0
Maryrose McCarthy	Director	005.00	Director	$0	$0	$0
Justin Skavery	Director	005.00	Director	$0	$0	$0
Al Riedel	Director	005.00	Director	$0	$0	$0
Bob Sosky	Director	005.00	Director	$0	$0	$0
Kenn Splitt	Director	005.00	Director	$0	$0	$0
Amy Watkins	Director	005.00	Director	$0	$0	$0
Michael White	Director	005.00	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
2024	$50,766	$401,173	$769,153	$-350,407
2023	$213,164	$38,101	$761,259	$175,063

Mount Carmel Area Community Center Catherine Besser