MANDARIN BUSINESS ASSOCIATION (EIN 030523517) - 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

2003

Legal Domicile

Tax Period

2024-07-01 to 2025-06-30

MANDARIN BUSINESS ASSOCIATION, founded in 2003, is a micro nonprofit in the Community Improvement sector that reported $150 in total revenue in fiscal year 2024. Revenue fell 95% from the prior year — a significant decline worth monitoring. Expenses of $3K exceeded revenue, resulting in a 1817% operating deficit.

Mission

The purpose of MBA is to coordinate and consolidate the minority business people, enterpreneurs and educators of the San Francisco Bay Area.

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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 $150

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $150

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,875

Other Expenses $375

TOTAL EXPENSES $2,875

Year-over-Year Comparison

	2024	2023	Change
Revenue	$150	$3,000	-1.0%
Expenses	$2,875	$725	+3.0%
Net Income	$-2,725	$2,275	-2.2%

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

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	Role	Reportable Comp	Other Comp	Total
GRACE HUANG	PRESIDENT	Officer Director	$0	$0	$0
THOMAS CHAO	SECRETARY	Officer Director	$0	$0	$0
JULLY CHEN	TREASURER	Officer 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	$150	$2,875	$5,862	$-2,725
2024	$3,000	$725	$8,587	$2,275
2023	$3,740	$6,125	$6,312	$-2,385
2022	$4,300	$3,075	$8,697	$1,225
2021	No data	$385	$7,472	No data
2020	$11,175	$12,414	$7,857	$-1,239
2019	$10,295	$13,149	$9,096	$-2,854

MANDARIN BUSINESS ASSOCIATION