Upper Valley Agricultural Association Inc (EIN 994893979) - 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

2025

Legal Domicile

Principal Officer

Peggy Allen

Phone

8478672374

Tax Period

2025-01-01 to 2025-12-31

Upper Valley Agricultural Association Inc, founded in 2025, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $974K in total revenue in fiscal year 2025. Revenue surged 2794% from the prior year, signaling strong growth momentum. The organization ran a surplus of $940K, a strong 96% operating margin.

Mission

The Upper Valley Agricultural Association is dedicated to ensuring a marketplace for farmers and consumers to learn, grow and prosper together.

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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 $974,422

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $974,422

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $34,258

Other Expenses $34,488

TOTAL EXPENSES $34,488

Year-over-Year Comparison

	2025	2024	Change
Revenue	$974,422	$33,668	+27.9%
Expenses	$34,488	N/A	N/A
Net Income	$939,934	$33,668	+26.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Loretta Allen	President	6	Officer Director	$0	$0	$0
Eileen Lambert	Secretary and Treasurer	2	Officer Director	$0	$0	$0
Nica Nieloch-Blinn	Board Member	2	Director	$0	$0	$0
Bridge McDowell	Board Member	2	Director	$0	$0	$0
Karin Andrea Chamberlain	Board Member	1	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	$974,422	$34,488	$973,602	$939,934

Upper Valley Agricultural Association Inc