CENTRAL MINNESOTA BUILDERS ASSOCIATION INC (EIN 237319794) - 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

1971

Legal Domicile

Principal Officer

GREG WENSMANN

Phone

3202514382

Tax Period

2025-01-01 to 2025-12-31

CENTRAL MINNESOTA BUILDERS ASSOCIATION INC, founded in 1971, is a small nonprofit that reported $460K in total revenue in fiscal year 2025. Revenue surged 20% from the prior year, signaling strong growth momentum. The organization ran a surplus of $98K, a strong 21% operating margin.

Mission

THE CMBA STRIVES TO IMPROVE THE CENTRAL MINNESOTA BUILING INDUSTRY BYADVOCATING FOR THE INDUSTRY AT THE LOCAL, STATE AND NATIONAL LEVELS;EDUCATING OUR MEMBERS ABOUT BUILDING INDUSTRY BEST PRACTICES; ANDENGAGING OUR MEMBERS IN ACTIVITIES THAT STRENGTHENCOMPETITIVENESS, PROFESSIONALISM, AND THE PUBLIC'S CONFIDENCE IN OURINDUSTRY.

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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 $180,275

Investment Income $108,812

Other Revenue $171,060

TOTAL REVENUE $460,147

Expense Breakdown

Grants Paid $0

Salaries & Benefits $219,073

Fundraising Expenses $0

Other Expenses $142,728

TOTAL EXPENSES $361,801

Year-over-Year Comparison

	2025	2024	Change
Revenue	$460,147	$382,548	+0.2%
Expenses	$361,801	$315,987	+0.1%
Net Income	$98,346	$66,561	+0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
WANDA SCHROEDER	EXECUTIVE DIRECTOR	Officer Director	$0	$0	$0
NATE MOELLER	DIRECTOR	Director	$0	$0	$0
JACK BRANDES	DIRECTOR	Director	$0	$0	$0
RANDY WEIHER	DIRECTOR	Director	$0	$0	$0
RON MOLITOR	DIRECTOR	Director	$0	$0	$0
JIM ALVORD	DIRECTOR	Director	$0	$0	$0
MITCH ANDERSON	DIRECTOR	Director	$0	$0	$0
LANCE BARTHEL	DIRECTOR	Director	$0	$0	$0
BRIANNA TORBORG	DIRECTOR	Director	$0	$0	$0
MARTY CZECH	PAST PRESIDENT	Officer	$0	$0	$0
STUART SWENSON	SECRETARY	Officer	$0	$0	$0
LANAE DESROSIER	VICE PRESIDENT	Officer	$0	$0	$0
CURTIS BROWN	ASSOCIATE VICE PRESIDENT	Officer	$0	$0	$0
GREG WENSMANN	PRESIDENT	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	$460,147	$361,801	$1,054,448	$98,346
2024	$382,548	$315,987	$943,823	$66,561
2023	$410,411	$276,024	$869,936	$134,387
2022	$183,219	$288,557	$736,210	$-105,338
2021	$248,184	$263,614	$833,708	$-15,430
2020	$347,088	$332,539	$826,477	$14,549
2019	$405,126	$314,153	$962,793	$90,973
2018	$214,510	$351,958	$892,105	$-137,448

CENTRAL MINNESOTA BUILDERS ASSOCIATION INC