Middlebury Business Association (EIN 030334719) - 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

2019

Legal Domicile

Principal Officer

Jonathan Connor

Phone

8023492107

Tax Period

2024-07-01 to 2025-06-30

Middlebury Business Association, founded in 2019, is a small nonprofit that reported $135K in total revenue in fiscal year 2024.

Mission

Promotion of civic improvements

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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 (2024)

Revenue Breakdown

Contributions & Grants $42,415

Program Service Revenue $77,574

Investment Income $4

Other Revenue $15,340

TOTAL REVENUE $135,333

Expense Breakdown

Grants Paid $0

Salaries & Benefits $65,013

Fundraising Expenses $0

Program Expenses $62,054

Other Expenses $75,236

TOTAL EXPENSES $140,249

Year-over-Year Comparison

	2024	2023	Change
Revenue	$135,333	$135,834	0.0%
Expenses	$140,249	$97,086	+0.4%
Net Income	$-4,916	$38,748	-1.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Amey Ryan	President	1.00	Officer	$0	$0	$0
Chris Hammond	Board	1.00	Officer	$0	$0	$0
Wendy Hirdler	Board	1.00	Officer	$0	$0	$0
Christy Lynn	Board	1.00	Officer	$0	$0	$0
Peter Nelson	Board	1.00	Director	$0	$0	$0
Nancie Dunn	Board	0.00	Director	$0	$0	$0
Amy Carlin	Board	0.00	Director	$0	$0	$0
Dave Hohenschau	Board	0.00	Director	$0	$0	$0
Jonathan Connor	Board officer	0.00	Officer Director	$0	$0	$0
Ashley Betton	Board	0.00	Director	$0	$0	$0
Phil Summers	Board	0.00	Director	$0	$0	$0
Farhad Khan	Board	0.00	Director	$0	$0	$0
Jen Bleich	Board	0.00	Director	$0	$0	$0
Mandy Hodson	Board	0.00	Director	$0	$0	$0
Elizabeth Ryks	Board	0.00	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	$135,333	$140,249	$83,667	$-4,916
2024	$135,834	$97,086	$90,124	$38,748
2023	$78,766	$153,628	$51,363	$-74,862
2022	$241,452	$186,419	$126,187	$55,033

Middlebury Business Association