SAINT MALO ASSOCIATION INC (EIN 951964983) - 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

1952

Legal Domicile

Principal Officer

MARNE VELASQUEZ

Phone

7607292343

Tax Period

2023-07-01 to 2024-06-30

SAINT MALO ASSOCIATION INC, founded in 1952, is a small nonprofit that reported $524K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Expenses of $714K exceeded revenue, resulting in a 36% operating deficit.

Mission

SAINT MALO ASSOCIATION MAINTAINS PROPERTY, PROVIDES YEAR ROUND SECURITY FOR THE COMMUNITY, PROVIDES LIFE GUARDS DURING SUMMER MONTHS FOR PROTECTION OF BATHERS, AND MAKES SUCH IMPROVEMENTS AS MAY BE PRACTICABLE FOR THE HEALTH,SAFETY AND WELFARE OF ITS MEMBERS. MEMBERSHIP DUES ARE CHARGED TO ACCOMPLISH ITS FUNCTION.

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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 $0

Program Service Revenue $516,710

Investment Income $7,663

Other Revenue $0

TOTAL REVENUE $524,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,336

Fundraising Expenses $0

Program Expenses $670,368

Other Expenses $709,316

TOTAL EXPENSES $713,652

Year-over-Year Comparison

	2023	2022	Change
Revenue	$524,373	$561,878	-0.1%
Expenses	$713,652	$539,388	+0.3%
Net Income	$-189,279	$22,490	-9.4%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN TENAGLIA	IN PERPETUITY	5.00	Director	$0	$0	$0
JOHN ROUSE	PAST PRESIDENT	5.00	Director	$0	$0	$0
MARNE VELASQUEZ	PRESIDENT	5.00	Director	$0	$0	$0
RYAN BARKER	VICE PRESIDENT	5.00	Director	$0	$0	$0
ASHLEY GUERRA	TREASURER	5.00	Director	$0	$0	$0
KIMBERLY SCHNELL	SECRETARY	5.00	Director	$0	$0	$0
LOUISE CURCIO	AT-LARGE DIRECTOR	5.00	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	$524,373	$713,652	$1,767,276	$-189,279
2023	$561,878	$539,388	$1,891,793	$22,490
2022	$613,332	$440,626	$1,869,303	$172,706
2021	$599,735	$430,313	$1,686,584	$169,422
2020	$510,185	$435,461	$615,175	$74,724
2019	$423,668	$424,629	$540,451	$-961

SAINT MALO ASSOCIATION INC