Envelope Manufacturers Association (EIN 131571912) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1933

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Envelope Manufacturers Association, founded in 1933, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2018. Revenue decreased 8% compared to the prior year. Expenses of $1.6M exceeded revenue, resulting in a 10% operating deficit.

Mission

To promote the progress and development of the Envelope Manufacturing Industry in such manner as to serve in the highest degree the interest of the general public, the employees of the industry, and the members thereof.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $1,063,003

Program Service Revenue $398,415

Investment Income $34,329

Other Revenue $0

TOTAL REVENUE $1,495,747

Expense Breakdown

Grants Paid $0

Salaries & Benefits $796,984

Fundraising Expenses $0

Other Expenses $919,668

TOTAL EXPENSES $1,716,652

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,495,747	$1,634,969	-0.1%
Expenses	$1,716,652	$1,610,340	+0.1%
Net Income	$-220,905	$24,629	-10.0%

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

Total Directors

Key Employees

$302,988

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Maynard H Benjamin	Former President	0.00		$158,462	$49,107	$207,569
Marie Clarke	President	40.00	Highest	$157,212	$10,846	$168,058
Kim Moses	Vice President	40.00	Key Emp	$145,000	$8,088	$153,088
Keith Whisler	Sr Director of Technical Serv	40.00	Key Emp	$121,000	$28,900	$149,900
Christina M Howard Jr	Director	2.00	Director	$0	$0	$0
Greg Wilke	Director	2.00	Director	$0	$0	$0
J Kemper Matt Jr	Director	2.00	Director	$0	$0	$0
Rob Melton	Ex-Officio	1.00	Director	$0	$0	$0
Michael Frost	Director	2.00	Director	$0	$0	$0
Mark Greenberg	Director	2.00	Director	$0	$0	$0
Susan Foley	Director	2.00	Director	$0	$0	$0
Lon S Robinson III	Director	2.00	Director	$0	$0	$0
Hunter Wilson	Director	2.00	Director	$0	$0	$0
Derek Waterhosue	Chairman	2.00	Officer Director	$0	$0	$0
David Mitchell	Vice Chairman	2.00	Officer Director	$0	$0	$0
Stephen Bunker	SecretaryTreasurer	2.00	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
2023	$1,495,747	$1,716,652	$1,634,068	$-220,905
2022	$1,634,969	$1,610,340	$2,126,160	$24,629
2021	$1,483,520	$1,358,061	$2,052,347	$125,459
2020	$1,187,938	$1,184,315	$1,889,100	$3,623
2019	$1,690,617	$1,530,867	$1,803,880	$159,750
2018	$1,459,297	$1,606,448	$1,621,624	$-147,151

Envelope Manufacturers Association