MISSISSIPPI BANNER USER GROUP INC MISSISSIPPI BANNER USER GROUP INC (EIN 200444828) - 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

1999

Legal Domicile

Principal Officer

DESMOND STEWART

Phone

6014158834

Tax Period

2025-01-01 to 2025-12-31

MISSISSIPPI BANNER USER GROUP INC MISSISSIPPI BANNER USER GROUP INC, founded in 1999, is a micro nonprofit in the Education sector that reported $29K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Expenses of $40K exceeded revenue, resulting in a 36% operating deficit.

Mission

TO PROMOTE COMMUNICATION AND GOODWILL AMONG ALL LEVELS AND SECTORS OF HIGHER EDUCATION IN MISSISSIPPI WITH REGARD TO THE USE OF ELLUCIAN BANNER SOFTWARE PRODUCTS.

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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 $0

Program Service Revenue $29,093

Investment Income $71

Other Revenue $0

TOTAL REVENUE $29,164

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $38,654

Other Expenses $39,807

TOTAL EXPENSES $39,807

Year-over-Year Comparison

	2025	2024	Change
Revenue	$29,164	$33,335	-0.1%
Expenses	$39,807	$41,753	0.0%
Net Income	$-10,643	$-8,418	+0.3%

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

N/A

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
SHERICE MCELROY	SECRETARY	N/A	Officer	$0	$0	$0
KISHA BOND	MEMBER	N/A	Officer	$0	$0	$0
DESMOND STEWART	PRESIDENT	N/A	Officer	$0	$0	$0
GINA GOETZINGER	TREASURER	N/A	Officer	$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	$29,164	$39,807	$21,795	$-10,643
2024	No data	No data	No data	No data
2023	$29,410	$25,845	$40,856	$3,565
2022	$23,004	$24,522	$37,291	$-1,518
2021	$6	$651	$38,809	$-645
2020	$1,020	$4,473	$39,454	$-3,453
2019	$17,642	$21,989	$42,907	$-4,347
2018	$30,293	$28,033	$47,254	$2,260

MISSISSIPPI BANNER USER GROUP INC MISSISSIPPI BANNER USER GROUP INC