SMALL BUSINESS AID INC (EIN 271353904) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2009

Legal Domicile

Tax Period

2023-07-01 to 2024-06-30

SMALL BUSINESS AID INC, founded in 2009, is a community nonprofit in the Community Improvement sector that reported $3.7M in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. Expenses of $3.4M left a modest 10% surplus.

Mission

SMALL BUSINESS AID, INC IS A VOLUNTARY MUTUAL AID PLAN FOR AMISH (ONLY) EMPLOYERS AND BUSINESS WHO INCUR MEDICAL EXPENSES DUE TO WORK PLACE ACCIDENTS AND/OR OTHER SPECIFIED LOSSES.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,688,358

Investment Income $49,887

Other Revenue $0

TOTAL REVENUE $3,738,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $166,827

Fundraising Expenses $0

Program Expenses $3,243,893

Other Expenses $3,190,131

TOTAL EXPENSES $3,356,958

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,738,245	$4,146,376	-0.1%
Expenses	$3,356,958	$3,434,441	0.0%
Net Income	$381,287	$711,935	-0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$102,270

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENNIS LEHMAN	TREASURER	40.00	Officer	$102,270	$0	$102,270
NICK GRABER	DIRECTOR	5.00	Director	$0	$0	$0
GERRY SCHWARTZ	SECRETARY	5.00	Director	$0	$0	$0
ERNEST KUHNS	DIRECTOR	8.00	Director	$0	$0	$0
CALVIN MULLET	VP	5.00	Officer	$0	$0	$0
NATHAN BRANDENBERGER	PRESIDENT	5.00	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	$3,738,245	$3,356,958	$2,488,760	$381,287
2023	$4,146,376	$3,434,441	$2,129,745	$711,935
2021	$3,351,237	$3,280,304	$1,429,380	$70,933
2020	$2,293,287	$2,167,150	$1,660,335	$126,137

SMALL BUSINESS AID INC