Metropolitan Business and Citizens Association Inc (EIN 223141369) - 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

1991

Legal Domicile

Principal Officer

Gary Hill

Phone

6093481903

Tax Period

2023-10-01 to 2024-09-30

Metropolitan Business and Citizens Association Inc, founded in 1991, is a small nonprofit in the Community Improvement sector that reported $361K in total revenue in fiscal year 2023. Expenses of $398K exceeded revenue, resulting in a 10% operating deficit.

Mission

Improve the business climate and quality of life for businesses and residents within the City of Atlantic City.

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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 $328,803

Program Service Revenue $0

Investment Income $31,874

Other Revenue $0

TOTAL REVENUE $360,677

Expense Breakdown

Grants Paid $0

Salaries & Benefits $214,559

Fundraising Expenses $0

Other Expenses $183,732

TOTAL EXPENSES $398,291

Year-over-Year Comparison

	2023	2022	Change
Revenue	$360,677	$357,492	+0.0%
Expenses	$398,291	$376,875	+0.1%
Net Income	$-37,614	$-19,383	+0.9%

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

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

$125,000

Total Directors

$125,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Don Guardian	Vice President	1.00	Officer Director	$0	$0	$0
Gary Hill	COMMUNITY RELATIONS	10.00	Officer Director	$125,000	$0	$125,000
Frank Dougherty	Board Member	0.50	Director	$0	$0	$0
Alexander Marino	Board Member	0.50	Director	$0	$0	$0
Edwin Blake	Board Member	0.50	Director	$0	$0	$0
JOHN GRAY	Board Member	0.50	Director	$0	$0	$0
Emanuel Mathioudakis	Board Member	0.50	Director	$0	$0	$0
Lloyd Levenson	General Counsel	0.50	Officer Director	$0	$0	$0
Ken Mosca	Board member	0.50	Director	$0	$0	$0
George Siganos	Advisory board	0.50	Director	$0	$0	$0
Mary Tindall	Board member	0.50	Director	$0	$0	$0
Jean McAlister	Board member	0.50	Director	$0	$0	$0
Vincent D'Alesandro	Board member	0.50	Director	$0	$0	$0
Richard Helfant	Board member	0.50	Director	$0	$0	$0
Joey M Jingoli	Board member	0.50	Director	$0	$0	$0
Michael Kurtz	Board member	0.50	Director	$0	$0	$0
Noell Stevenson	Board member	0.50	Director	$0	$0	$0
George Baumgardner Jr	Advisory board	0.50	Director	$0	$0	$0
Phyllis Lacca	Advisory board	0.50	Director	$0	$0	$0
Liza Costandino	Board member	0.50	Director	$0	$0	$0
Giuletta Consolvo	Board member	0.50	Director	$0	$0	$0
Scott Cronick	Board member	0.50	Director	$0	$0	$0
Richard De Rose	Board member	0.50	Director	$0	$0	$0
Debra Fox	Board member	0.50	Director	$0	$0	$0
Gisell Mason	Board member	0.50	Director	$0	$0	$0
Adam Busler	Board member	0.50	Director	$0	$0	$0
Giulietta Consolvo	Board member	0.50	Director	$0	$0	$0
Aura Sanchez	Board member	0.50	Director	$0	$0	$0
Rebecca Thiry	Board member	0.50	Director	$0	$0	$0
Toni Brooks	Board member	0.50	Director	$0	$0	$0
Alberto Lopez	Board member	0.50	Director	$0	$0	$0
Debra Fox	Board member	0.50	Director	$0	$0	$0
Wendy Bartlett	Board member	0.50	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
2024	$360,677	$398,291	$382,540	$-37,614
2023	$357,492	$376,875	$424,456	$-19,383
2022	$391,149	$356,703	$445,299	$34,446
2021	$173,401	$183,327	$434,836	$-9,926
2020	$225,406	$290,798	$448,049	$-65,392
2019	$299,332	$368,217	$409,414	$-68,885

Metropolitan Business and Citizens Association Inc