MCAIL INC (EIN 222960285) - 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

1995

Legal Domicile

Principal Officer

GWENDOLYN UTBERG

Phone

9733269750

Tax Period

2023-07-01 to 2024-06-30

MCAIL INC, founded in 1995, is a small nonprofit that reported $137K in total revenue in fiscal year 2023.

Mission

TO PROVIDE LOW INCOME RESIDENTIAL HOUSING FOR INTELLECTUALLY AND DEVELOPMENTALLY DISABLED PERSONS

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $137,029

Investment Income $119

Other Revenue $0

TOTAL REVENUE $137,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $105,266

Other Expenses $136,936

TOTAL EXPENSES $136,936

Year-over-Year Comparison

	2023	2022	Change
Revenue	$137,148	$132,058	+0.0%
Expenses	$136,936	$132,760	+0.0%
Net Income	$212	$-702	-1.3%

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
BARRY LEVINE	Director	1.00	Director	$0	$0	$0
SALVADOR MORAN	Executive Dir.	2.00	Director	$0	$0	$0
KATHLEEN HYLAND	Director	1.00	Director	$0	$0	$0
NILOY SENGUPTA	Director	1.00	Director	$0	$0	$0
KATHERINE CASCIOLI	Director	1.00	Director	$0	$0	$0
KATHLEEN INGARGIOLA	Director	1.00	Director	$0	$0	$0
GWENDOLYN UTBERG	President	2.00	Officer	$0	$0	$0
IRINA KOGAN	Treasurer	2.00	Officer	$0	$0	$0
BARBARA MORRIS	Secretary	2.00	Officer	$0	$0	$0
MICHAEL BASILE	Vice President	2.00	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	No data	No data	No data	No data
2024	$137,148	$136,936	$680,568	$212
2023	$132,058	$132,760	$741,700	$-702
2022	$126,383	$126,879	$817,687	$-496
2021	$139,257	$132,088	$873,926	$7,169
2020	$132,185	$505,201	$954,470	$-373,016
2019	$131,565	$110,275	$956,686	$21,290

MCAIL INC