Sutter Street Merchants Association

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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

1961

Legal Domicile

Principal Officer

Jim Snook

Phone

9169857452

Tax Period

2023-01-01 to 2023-12-31

Sutter Street Merchants Association, founded in 1961, is a small nonprofit that reported $977K in total revenue in fiscal year 2023.

Mission

Preservation of Historical Area

Program Service Accomplishments

Program 1

Expenses: $7,488

Advertising is used to draw attention to the various fundraising activities of the association and to promote historic Folsom

Program 2

Expenses: $33,432

Maintenance expenses are for the upkeep of Sutter Street to ensure the area maintains its historic flavor.

Program 3

Expenses: $785,162

Monies expended on special events which promote historic Folsom.

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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 $32,363

Program Service Revenue $166,680

Investment Income $74

Other Revenue $777,997

TOTAL REVENUE $977,114

Expense Breakdown

Grants Paid $0

Salaries & Benefits $272,213

Fundraising Expenses $0

Program Expenses $826,082

Other Expenses $702,222

TOTAL EXPENSES $974,435

Year-over-Year Comparison

	2023	2022	Change
Revenue	$977,114	$1,017,525	0.0%
Expenses	$974,435	$735,696	+0.3%
Net Income	$2,679	$281,829	-1.0%

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

N/A

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

$87,382

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jim Snook	President	5.00	Director	$0	$0	$0
Jeremy Bernau	Vice President	2.00	Director	$0	$0	$0
Jeremy Bernau	Treasurer	2.00	Director	$0	$0	$0
Karen Holmes	Past President	2.00	Director	$0	$0	$0
Bobbi Eddy	Secretary	2.00	Director	$0	$0	$0
Moe Hirani	Director	2.00	Director	$0	$0	$0
Jim Metzker	Director	2.00	Director	$0	$0	$0
Christine Brainerd	Director	2.00	Director	$0	$0	$0
Amber Felts	Director	2.00	Director	$0	$0	$0
Rich Veale	Director	2.00	Director	$0	$0	$0
Kathy Cole	Director	2.00	Director	$0	$0	$0
Judy Collinsworth	Executive Director	40.00	Director	$87,382	$0	$87,382
Suzanne Cook	Director	2.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$977,114	$974,435	$522,234	$2,679
2022	$1,017,525	$735,696	$518,981	$281,829
2021	$430,525	$436,637	$231,207	$-6,112
2020	$396,293	$332,156	$219,609	$64,137
2019	$450,169	$362,436	$135,598	$87,733
2018	$332,311	$314,457	$58,162	$17,854