Retail Bakers of America co Marissa Sertich Velie (EIN 360752325) - 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

1937

Legal Domicile

Phone

8006380924

Tax Period

2024-01-01 to 2024-12-31

Retail Bakers of America co Marissa Sertich Velie, founded in 1937, is a small nonprofit that reported $279K in total revenue in fiscal year 2024. Revenue surged 47% from the prior year, signaling strong growth momentum. Expenses of $370K exceeded revenue, resulting in a 33% operating deficit.

Mission

PROVIDE MEMBERS WITH A COMPREHENSIVE SOURCE FOR MARKETING, MANAGEMENT AND PRODUCTION INFORMATION AND EDUCATION.

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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 $275,570

Investment Income $3,889

Other Revenue $0

TOTAL REVENUE $279,459

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,061

Fundraising Expenses $0

Program Expenses $370,398

Other Expenses $181,337

TOTAL EXPENSES $370,398

Year-over-Year Comparison

	2024	2023	Change
Revenue	$279,459	$190,183	+0.5%
Expenses	$370,398	$355,191	+0.0%
Net Income	$-90,939	$-165,008	-0.4%

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

$76,468

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARISSA SERTICH VELIE	Executive Dir.	40.00	Officer	$76,468	$0	$76,468
ROSE CERDA	Board Member	1.00	Director	$0	$0	$0
MATTHEW RATLIFF	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK HAYMON	Board Member	1.00	Director	$0	$0	$0
HEIDI HEDEKER	Board Member	1.00	Director	$0	$0	$0
JOHN LUPO	Board Member	1.00	Director	$0	$0	$0
AMIE SMITH	President	1.00	Officer Director	$0	$0	$0
ASHLEY KERNS	Board Member	1.00	Director	$0	$0	$0
ANTHONY DINARDO	Vice President	1.00	Director	$0	$0	$0
CHIP LEVERS	Board Member	1.00	Director	$0	$0	$0
MARC ANDERSON	Board Member	1.00	Director	$0	$0	$0
LYNN SCHURMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT CALVERT	Past President	20.00	Officer	$0	$0	$0
RICHARD CHARPENTIER	Board Member	1.00	Officer	$0	$0	$0
BRIAN PANSARI	Board Member	1.00	Officer	$0	$0	$0
PATTI STOBAUGH	Treasurer	1.00	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
2024	$279,459	$370,398	$206,251	$-90,939
2023	$190,183	$355,191	$261,785	$-165,008
2022	$594,150	$380,996	$400,345	$213,154
2021	$336,502	$235,303	$317,850	$101,199
2020	$212,322	$238,622	$276,879	$-26,300
2019	$275,609	$281,670	$130,788	$-6,061
2018	$342,544	$338,907	$251,475	$3,637

Retail Bakers of America co Marissa Sertich Velie