Black Surf Santa Cruz Inc (EIN 874556850) - 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

2022

Legal Domicile

Principal Officer

ESABELLA BONNER

Phone

8312450506

Tax Period

2023-01-01 to 2023-12-31

Black Surf Santa Cruz Inc, founded in 2022, is a small nonprofit in the Youth Development sector that reported $203K in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $53K, a strong 26% operating margin.

Mission

THE ORGANIZATIONS PURPOSE IS TO PROMOTE PHYSICAL, SPIRITUAL AND COMMUNAL HEALING THROUGH SURFING, EDUCATION AND RECREATION.

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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 $172,000

Program Service Revenue $30,788

Investment Income $48

Other Revenue $0

TOTAL REVENUE $202,836

Expense Breakdown

Grants Paid $0

Salaries & Benefits $102,623

Fundraising Expenses $5,483

Program Expenses $132,778

Other Expenses $47,664

TOTAL EXPENSES $150,287

Year-over-Year Comparison

	2023	2022	Change
Revenue	$202,836	$169,569	+0.2%
Expenses	$150,287	$98,542	+0.5%
Net Income	$52,549	$71,027	-0.3%

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

100

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

$85,067

Total Directors

$85,067

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ESABELLA BONNER	President	40.00	Officer Director	$85,067	$0	$85,067
KEISHA BROWDER	Director	1.00	Officer Director	$0	$0	$0
AYO BANJO	Director	1.00	Director	$0	$0	$0
THERESA CARINO	Director	1.00	Officer Director	$0	$0	$0
DANIEL NELSON	Treasurer	1.00	Director	$0	$0	$0
SUE-JEAN SUNG	Director	1.00	Director	$0	$0	$0
RACHEL KIPPEN	Secretary	1.00	Director	$0	$0	$0
YADRIA FLORES	Director	1.00	Director	$0	$0	$0
CAT WILLIS	Director	1.00	Director	$0	$0	$0
NICK CALUBAQUIB	Director	1.00	Director	$0	$0	$0
MARK SUSSKIND	Director	1.00	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	No data	No data	No data	No data
2023	$202,836	$150,287	$126,876	$52,549
2022	$169,569	$98,542	$75,347	$71,027

Black Surf Santa Cruz Inc