OCCOHANNOCK ON THE BAY INC

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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

2023

Legal Domicile

Principal Officer

GARNETT KELLAM

Phone

7574427836

Tax Period

2025-01-01 to 2025-12-31

OCCOHANNOCK ON THE BAY INC, founded in 2023, is a small nonprofit in the Recreation & Sports sector that reported $405K in total revenue in fiscal year 2025. Revenue surged 20% from the prior year, signaling strong growth momentum.

Mission

TO PROVIDE CHRISTIAN EDUCATION FOR YOUTH BY OFFERING SUMMER CAMP MINISTRY IN WHICH SMALL-GROUP ACTIVITIES STRENGTHENS PARTICIPANTS' FAITH, INTERDEPENDENCE, LEADERSHIP, AND COMMUNICATION SKILLS.

Program Service Accomplishments

Program 1

Expenses: $276,297

PROVIDE CHRISTIAN BASED MINITRIES

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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 (2025)

Revenue Breakdown

Contributions & Grants $43,929

Program Service Revenue $247,737

Investment Income $1,024

Other Revenue $112,576

TOTAL REVENUE $405,266

Expense Breakdown

Grants Paid $0

Salaries & Benefits $171,725

Fundraising Expenses $0

Program Expenses $276,297

Other Expenses $252,734

TOTAL EXPENSES $424,459

Year-over-Year Comparison

	2025	2024	Change
Revenue	$405,266	$336,537	+0.2%
Expenses	$424,459	$350,360	+0.2%
Net Income	$-19,193	$-13,823	+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

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
KENNIS AUSTIN	DIRECTOR	N/A	Director	$0	$0	$0
SETH CHANDLER	DIRECTOR	N/A	Director	$0	$0	$0
KATIE DERR	DIRECTOR	N/A	Director	$0	$0	$0
BUTCH HARMON	DIRECTOR	N/A	Director	$0	$0	$0
PATRICIA JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
WAYNE JOHNSON	DIRECTORS	N/A	Director	$0	$0	$0
GARNETT KELLAM	CHAIRPERSON	N/A	Director	$0	$0	$0
JIM LAGRANGE	DIRECTOR	N/A	Director	$0	$0	$0
NANCY LEWIS	TREASURER	N/A	Director	$0	$0	$0
JERRY PHILLIPS	DIRECTOR	N/A	Director	$0	$0	$0
KYM POOL	DIRECTOR	N/A	Director	$0	$0	$0
JEFF PROCTOR	DIRECTOR	N/A	Director	$0	$0	$0
TED STURGIS	DIRECTOR	N/A	Director	$0	$0	$0
ROBERT TALBOT	DIRECTOR	N/A	Director	$0	$0	$0
THERESA TYSON	SECRETARY	N/A	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
2025	$405,266	$424,459	$107,040	$-19,193
2024	No data	No data	No data	No data
2023	$265,865	$239,557	$73,449	$26,308