Deutsche Bank Microcredit Development Fund Inc (EIN 133957277) - 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

1997

Legal Domicile

Principal Officer

Gary S Hattem

Phone

2124548516

Tax Period

2019-01-01 to 2019-12-31

Deutsche Bank Microcredit Development Fund Inc, founded in 1997, is a micro nonprofit that reported $13K in total revenue in fiscal year 2019. Revenue fell 84% from the prior year — a significant decline worth monitoring. Expenses of $412K exceeded revenue, resulting in a 3189% operating deficit.

Mission

THE DEUTSCHE BANK MICROCREDIT DEVELOPMENT FUND, INC. WAS CREATED TO SUPPORT THE GROWTH, EFFECTIVENESS, AND SUSTAINABILITY OF MICROCREDIT PROGRAMS THAT SERVE THE POOR WITH ACCESS TO CREDIT FOR SELF-EMPLOYMENT.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $12,542

Investment Income $0

Other Revenue $0

TOTAL REVENUE $12,542

Expense Breakdown

Grants Paid $350,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $412,479

Other Expenses $62,479

TOTAL EXPENSES $412,479

Year-over-Year Comparison

	2019	2018	Change
Revenue	$12,542	$77,359	-0.8%
Expenses	$412,479	$63,937	+5.5%
Net Income	$-399,937	$13,422	-30.8%

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
Scott Reardon	Chairman	1.00	Officer Director	$0	$0	$0
Gary S Hattem	President	1.00	Officer Director	$0	$0	$0
Michael Rauenhorst	Director	1.00	Director	$0	$0	$0
Alex Counts	Director	1.00	Director	$0	$0	$0
Asad Mahmood	Director	1.00	Director	$0	$0	$0
Ben Midberry	Director	1.00	Director	$0	$0	$0
Caroline Vance	Director	1.00	Director	$0	$0	$0
Richard W Thaler Jr	Director	1.00	Director	$0	$0	$0
Shahin Ahdieh	Director	1.00	Director	$0	$0	$0
Maureen D Donovan	Director	1.00	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
2019	$12,542	$412,479	$3,694,367	$-399,937
2018	$77,359	$63,937	$4,093,649	$13,422

Deutsche Bank Microcredit Development Fund Inc