MICRO ENTERPRISE SERVICES OF OREGON

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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

2008

Legal Domicile

Principal Officer

CAM TURNER

Phone

5038413351

Tax Period

2022-07-01 to 2023-06-30

MICRO ENTERPRISE SERVICES OF OREGON, founded in 2008, is a mid-sized nonprofit in the Employment sector that reported $14.1M in total revenue in fiscal year 2022. Revenue surged 51% from the prior year, signaling strong growth momentum.

Mission

OUR MISSION IS TO ELEVATE UNDER-RESOURCED AND EXCLUDED ENTREPRENEURS TO BUILD RESILIENCE, EQUITY AND THRIVING COMMUNITIES THROUGH ACCESS TO CAPITAL TAILORED BUSINESS ASSISTANCE AND EDUCATION.

Program Service Accomplishments

Program 1

Expenses: $5,637,142 Revenue: $4,270,819

ANCHORS - THE MICRO ENTERPRISE SERVICES OF OREGON (MESO) ANCHORS PROGRAM INCLUDES IN-DEPTH, CUSTOMIZED AND EXTENDED SERVICES FOR 3-5 YEARS WITH ONGOING BUSINESS PLANNING, RECORDKEEPING AND ASSISTANCE WITH TAX, LEGAL AND MARKETING SERVICES. THE ANCHORS PROGRAM ASSISTED APPROXIMATELY 976 ENTREPRENEURS TO STABILIZE AND GROW THEIR BUSINESSES DURING THE LAST FISCAL YEAR.

Program 2

Expenses: $645,326 Revenue: $414,184

LOAN FUND - MESO PROVIDES MICRO LOANS OF UP TO 50,000, LOANS FOR CREDIT BUILDING, GUARANTEED CREDIT LINES IN PARTNERSHIP WITH BANKS, EMERGENCY LOANS, AND COMMERCIAL REAL ESTATE AND EQUIPMENT LOANS UP TO 400,000. MESO IS A DESIGNATED SMALL BUSINESS ADMINISTRATION (SBA) MICRO LENDER AND A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI). MESO IS ALSO AN ADMINISTRATOR OF LOAN FUNDS TO ORGANIZATIONS THAT INCLUDE: IMMIGRANT AND REFUGEE COMMUNITY ORGANIZATION, HISPANIC METROPOLITAN CHAMBER, HACIENDA CDC, NEIGHBORHOOD HOUSE, AND PORTLAND STATE UNIVERSITY BUSINESS PROGRAM.

Program 3

Expenses: $5,134,867 Revenue: $5,134,867

EARLY CHILDCARE - MESO PARTNERS WITH MULTNOMAH COUNTY PRESCHOOL & EARLY LEARNING DIVISION AS AN INTERMEDIARY ORGANIZATION TO IMPLEMENT THE PILOT PROGRAM FOR THE COUNTY'S PRESCHOOL FOR ALL PROGRAM AND...

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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 (2022)

Revenue Breakdown

Contributions & Grants $3,245,731

Program Service Revenue $10,419,046

Investment Income $380,641

Other Revenue $44,699

TOTAL REVENUE $14,090,117

Expense Breakdown

Grants Paid $8,880,316

Salaries & Benefits $3,900,887

Fundraising Expenses $129,994

Program Expenses $12,064,339

Other Expenses $1,317,106

TOTAL EXPENSES $14,098,309

Year-over-Year Comparison

	2022	2021	Change
Revenue	$14,090,117	$9,358,693	+0.5%
Expenses	$14,098,309	$7,442,301	+0.9%
Net Income	$-8,192	$1,916,392	-1.0%

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

$323,764

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COBI LEWIS	EXECUTIVE DI	40.00	Officer	$167,779	$18,972	$186,751
JASON HILTON	CFO	40.00	Officer	$127,276	$9,737	$137,013
LE KING	HR DIRECTOR	40.00	Highest	$110,086	$0	$110,086
JATUANE HALL	BUSINESS DEV	40.00	Highest	$105,459	$2,377	$107,836
CELINA SANCHEZ-CROWELL	MARKETING DI	40.00	Highest	$103,452	$0	$103,452
CIRITH ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
CASEY BONSAI	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT BOSSOM	DIRECTOR	1.00	Director	$0	$0	$0
FAYE BURCH	DIRECTOR EME	1.00	Director	$0	$0	$0
ANA CHAUD	DIRECTOR	1.00	Director	$0	$0	$0
JILL CHEN	TREASURER	1.00	Officer Director	$0	$0	$0
DAVE CONNELL	DIRECTOR	1.00	Director	$0	$0	$0
BETH COOKE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JAMES GRAHAM	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA HOLDEN	DIRECTOR	1.00	Director	$0	$0	$0
MAURICE RAHMING	DIRECTOR	1.00	Director	$0	$0	$0
NITIN RAI	DIRECTOR	1.00	Director	$0	$0	$0
CAM TURNER	CHAIRMAN	1.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$14,090,117	$14,098,309	$16,462,647	$-8,192
2022	$9,358,693	$7,442,301	$16,740,017	$1,916,392
2021	$30,525,364	$26,007,586	$15,766,775	$4,517,778
2020	$4,512,571	$3,172,657	$11,387,085	$1,339,914
2019	$2,730,910	$1,834,049	$9,233,764	$896,861
2018	$3,325,482	$1,599,545	$8,545,366	$1,725,937