MBT INC (EIN 310970408) - 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

1979

Legal Domicile

Principal Officer

BEN MODLIN

Phone

5742547300

Tax Period

2024-09-01 to 2025-08-31

MBT INC, founded in 1979, is a micro nonprofit that reported $13K in total revenue in fiscal year 2024. Revenue fell 77% from the prior year — a significant decline worth monitoring. Expenses of $17K exceeded revenue, resulting in a 30% operating deficit.

Mission

BUILDING TRADES TRAINING AT MISHAWAKA HIGH SCHOOL

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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 $0

Investment Income $13,348

Other Revenue $0

TOTAL REVENUE $13,348

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,302

Other Expenses $17,302

TOTAL EXPENSES $17,302

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,348	$57,873	-0.8%
Expenses	$17,302	$33,765	-0.5%
Net Income	$-3,954	$24,108	-1.2%

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
CHRIS GROVE	PRESIDENT	N/A	Officer	$0	$0	$0
KYLIE MURPHY	SECRETARY	N/A	Officer	$0	$0	$0
BEN MODLIN	TREASURER	N/A	Officer	$0	$0	$0
DAVE WOOD	DIRECTOR	N/A	Director	$0	$0	$0
ERIN SIMPSON	DIRECTOR	N/A	Director	$0	$0	$0
MARK MODLIN	DIRECTOR	N/A	Director	$0	$0	$0
TONY GIANESI	DIRECTOR	N/A	Director	$0	$0	$0
DARYL KNIP	DIRECTOR	N/A	Director	$0	$0	$0
DR THEIODORE STEVENS	DIRECTOR	N/A	Director	$0	$0	$0
MARIA ROTHY	VICE PRESIDE	N/A	Officer	$0	$0	$0
JOE GAMBILL	DIRECTOR	N/A	Director	$0	$0	$0
ALEX NEWMAN	ADVISORY MEM	N/A	Director	$0	$0	$0
DENNIS MURPHY	INSTRUCTOR	N/A	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
2025	$13,348	$17,302	$652,446	$-3,954
2024	$57,873	$33,765	$656,400	$24,108
2023	$47,631	$22,134	$632,292	$25,497
2022	$67,652	$14,696	$406,794	$52,956
2021	$1,203	$16,520	$278,837	$-15,317
2020	$25,910	$15,989	$294,403	$9,921

MBT INC