NORTHERN CALIFORNIA AND WESTERN NEVADA CHAPTER AMERICAN CONCRETE INSTITUTE (EIN 946088840) - 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

1984

Legal Domicile

Principal Officer

PAIGE SILVA

Phone

9258081955

Tax Period

2025-01-01 to 2025-12-31

NORTHERN CALIFORNIA AND WESTERN NEVADA CHAPTER AMERICAN CONCRETE INSTITUTE, founded in 1984, is a small nonprofit that reported $914K in total revenue in fiscal year 2025. Expenses of $1.0M exceeded revenue, resulting in a 14% operating deficit.

Mission

TO ADVANCE KNOWLEDGE, PROVIDE EDUCATION AND TRAINING, AND ENHANCE NETWORKING AMONG CONCRETE INDUSTRY PROFESSIONALS.

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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 $13,340

Program Service Revenue $892,512

Investment Income $7,941

Other Revenue $-77

TOTAL REVENUE $913,716

Expense Breakdown

Grants Paid $36,000

Salaries & Benefits $331,046

Fundraising Expenses $0

Other Expenses $671,664

TOTAL EXPENSES $1,038,710

Year-over-Year Comparison

	2025	2024	Change
Revenue	$913,716	$945,513	0.0%
Expenses	$1,038,710	$920,688	+0.1%
Net Income	$-124,994	$24,825	-6.0%

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

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

$63,937

Total Directors

$2,850

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE CRAIG	Secretary/Treas	20.00	Officer	$63,937	$0	$63,937
Roberto Montes	Director	1.00	Director	$2,850	$0	$2,850
CHAPIN FOWLER	Director	1.00	Director	$0	$0	$0
Damien Bonis	Director	1.00	Director	$0	$0	$0
James Ayala	Vice President	1.00	Officer Director	$0	$0	$0
Marlin McCain	Director	1.00	Director	$0	$0	$0
Jon Jackson	Director	1.00	Director	$0	$0	$0
Robert Hightower	Director	1.00	Director	$0	$0	$0
Joshua Sturman	Director	1.00	Director	$0	$0	$0
Mark Hill	Director	1.00	Director	$0	$0	$0
PAIGE SILVA	President	1.00	Officer	$0	$0	$0
MICHAEL SMITH	Vice President	1.00	Officer	$0	$0	$0
Carolyn Phillips	Past President	1.00	Officer	$0	$0	$0
Ben Inkster	Past President	1.00	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
2025	$913,716	$1,038,710	$550,644	$-124,994
2024	$945,513	$920,688	$647,262	$24,825
2023	$905,715	$870,865	$624,752	$34,850
2022	$825,822	$731,496	$585,685	$94,326
2021	$797,894	$546,047	$488,434	$251,847
2020	$426,249	$486,770	$236,848	$-60,521
2018	$649,972	$623,079	$341,393	$26,893

NORTHERN CALIFORNIA AND WESTERN NEVADA CHAPTER AMERICAN CONCRETE INSTITUTE