Utah Retail Merchants Association (EIN 870265625) - 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

Legal Domicile

Principal Officer

David Davis

Phone

8019739517

Tax Period

2024-01-01 to 2024-12-31

Utah Retail Merchants Association is a small nonprofit that reported $121K in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $109K left a modest 10% surplus.

Mission

To advise membership by bulletin and through meetings of rules, regulation and laws affecting their businesses. To represent the membership at hearings and meetings on issues that affect them.

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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 $82,398

Program Service Revenue $33,750

Investment Income $4,608

Other Revenue $0

TOTAL REVENUE $120,756

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $72,768

Other Expenses $108,964

TOTAL EXPENSES $108,964

Year-over-Year Comparison

	2024	2023	Change
Revenue	$120,756	$96,671	+0.2%
Expenses	$108,964	$94,682	+0.2%
Net Income	$11,792	$1,989	+4.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alex Randolph	Bd of Directors	0.15	Director	$0	$0	$0
Nicole Kralj	Bd of Directors	0.15	Director	$0	$0	$0
Karin Holt	Chair	0.15	Director	$0	$0	$0
Mark Holm	Bd of Directors	0.15	Director	$0	$0	$0
Calvin Crosby	Bd of Directors	0.15	Director	$0	$0	$0
Celinda Gonzales	Bd of Directors	0.15	Director	$0	$0	$0
Rebecca Butler	Bd of Directors	0.15	Director	$0	$0	$0
Opio Dupree	Vice Chair	0.15	Director	$0	$0	$0
Brandon Peterson	Bd of Directors	0.15	Director	$0	$0	$0
David Davis	President	0.15	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
2024	$120,756	$108,964	$239,565	$11,792
2023	$104,394	$120,953	$275,489	$-16,559
2023	$96,671	$94,682	$229,584	$1,989
2022	$228,932	$72,838	$250,548	$156,094
2021	$1,317,104	$1,317,739	$708,126	$-635
2020	$66,216	$59,867	$116,177	$6,349
2019	$67,852	$60,601	$107,733	$7,251

Utah Retail Merchants Association