MERCHANT ADVISORY GROUP (EIN 371558379) - 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

2007

Legal Domicile

Principal Officer

JOHN DRECHNY

Phone

9529284648

Tax Period

2024-01-01 to 2024-12-31

MERCHANT ADVISORY GROUP, founded in 2007, is a community nonprofit in the Community Improvement sector that reported $7.2M in total revenue in fiscal year 2024. Expenses of $8.9M exceeded revenue, resulting in a 24% operating deficit.

Mission

DRIVING POSITIVE CHANGE AND INNOVATION IN THE PAYMENTS INDUSTRY THAT SERVES THE MERCHANTS' INTERESTS THROUGH COLLABORATION, EDUCATION AND ADVOCACY.

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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 $4,956,175

Program Service Revenue $1,964,105

Investment Income $244,041

Other Revenue $0

TOTAL REVENUE $7,164,321

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,812,426

Other Expenses $8,851,789

TOTAL EXPENSES $8,851,789

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,164,321	$6,857,340	+0.0%
Expenses	$8,851,789	$6,827,271	+0.3%
Net Income	$-1,687,468	$30,069	-57.1%

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

100

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

$729,198

Total Directors

$729,198

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN DRECHNY	CEO	40.00	Officer Director	$729,198	$0	$729,198
ANN SCHMITT	CHAIR	1.00	Officer Director	$0	$0	$0
KATHY HANNA	DIRECTOR	1.00	Director	$0	$0	$0
RON COLLINS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
CHRIS PRIEBE	TREASURER	1.00	Officer Director	$0	$0	$0
JOE VASTERLING	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN AGLIALORO	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
KEN GROGAN	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE HENRY	DIRECTOR	1.00	Director	$0	$0	$0
PETER JESSIMAN	DIRECTOR	1.00	Director	$0	$0	$0
MIKE LINDBERG	DIRECTOR	1.00	Director	$0	$0	$0
ALOK MATHUR	DIRECTOR	1.00	Director	$0	$0	$0
ERIC VASCERA	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH P PROVENZANO	SENIOR VICE PRESIDENT OF PUBLIC AFFAIRS, EVENTS, A	40.00	Highest	$286,986	$16,535	$303,521
BRYAN H PENNY	VICE PRESIDENT, OPERATIONS	40.00	Highest	$267,937	$17,529	$285,466
STEVEN S COLE	DIRECTOR, TECH ENGAGEMENT	40.00	Highest	$210,143	$18,607	$228,750
KELLY D ANDRUS	DIRECTOR, COLLABORATION	40.00	Highest	$197,355	$27,845	$225,200
ANDREA D ROUSE	SENIOR DIRECTOR, CONFERENCE AND EVENTS	40.00	Highest	$170,392	$17,869	$188,261

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	$7,164,321	$8,851,789	$7,257,390	$-1,687,468
2023	$6,857,340	$6,827,271	$8,225,299	$30,069
2022	$5,243,279	$5,245,875	$7,854,359	$-2,596
2021	$6,550,753	$3,901,670	$7,667,222	$2,649,083
2020	$4,673,757	$3,676,053	$4,970,023	$997,704
2019	$3,917,773	$3,236,267	$3,883,576	$681,506

MERCHANT ADVISORY GROUP