MUTUAL AID SHARING PLAN (EIN 232534913) - 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

1988

Legal Domicile

Principal Officer

Keith Scheffel

Phone

7406040809

Tax Period

2024-10-01 to 2025-09-30

MUTUAL AID SHARING PLAN, founded in 1988, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $4.8M in total revenue in fiscal year 2024. The organization ran a surplus of $1.0M, a strong 22% operating margin.

Mission

To provide assistance to mission and service agencies in meeting the financial obligation of providing health and death expense benefits to their eligible participants

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,647,695

Investment Income $148,181

Other Revenue $0

TOTAL REVENUE $4,795,876

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,078

Fundraising Expenses $0

Program Expenses $3,517,808

Other Expenses $915,734

TOTAL EXPENSES $3,754,519

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,795,876	$4,673,433	+0.0%
Expenses	$3,754,519	$3,261,657	+0.2%
Net Income	$1,041,357	$1,411,776	-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

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

$358,896

Total Directors

$550,778

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Ron Guenther	Treasurer	1.75	Officer Director	$0	$13,195	$134,612
Keith Scheffel	Executive Director	40	Highest	$120,504	$9,163	$129,667
Liesl K Z Wolf	Director	1	Director	$0	$30,013	$121,648
E Nathan Zimmerman	President	5	Officer Director	$0	$25,030	$96,961
Dawn Weaver	Secretary	2	Officer Director	$0	$7,000	$90,711
Al Stobbe	Director	1.5	Director	$0	$6,706	$70,234
Jonathan Lloyd	Vice-President	1	Officer Director	$0	$36,612	$36,612

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	$4,795,876	$3,754,519	$5,068,442	$1,041,357
2024	$4,673,433	$3,261,657	$3,828,073	$1,411,776
2023	$3,758,926	$4,842,927	$2,605,606	$-1,084,001
2022	$3,040,784	$3,401,802	$3,292,976	$-361,018
2021	$2,623,050	$3,851,928	$4,457,991	$-1,228,878
2020	$2,996,392	$3,060,820	$4,865,136	$-64,428

MUTUAL AID SHARING PLAN