MBCA INC

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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

2015

Legal Domicile

Principal Officer

RANDY CHESLER

Phone

2133354344

Tax Period

2024-01-01 to 2024-12-31

MBCA INC, founded in 2015, is a community nonprofit in the Community Improvement sector that reported $4.9M in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.2M, a strong 25% operating margin.

Mission

TO EDUCATE LAWMAKERS ABOUT THE FINANCIAL REGULATORY MEASURES AND POLICIES AFFECTING THE ABILITY OF MID-SIZE BANKS TO SERVE THEIR CUSTOMERS, COMPETE FAIRLY AND FULLY IN CAPITAL MARKETS, AND SUPPORT AND CONTRIBUTE TO THE GROWTH OF THE NATION'S ECONOMY.

Program Service Accomplishments

Program 1

PUBLIC EDUCATION AND ENGAGEMENT - FOCUS ON EDUCATING THE PUBLIC ON THE VITAL ROLE OF MID-SIZE BANKS IN HELPING MAIN STREET BUSINESSES, ENTREPRENEURS AND THEIR FAMILIES GROW THE U.S. ECONOMY. THE...

PUBLIC EDUCATION AND ENGAGEMENT - FOCUS ON EDUCATING THE PUBLIC ON THE VITAL ROLE OF MID-SIZE BANKS IN HELPING MAIN STREET BUSINESSES, ENTREPRENEURS AND THEIR FAMILIES GROW THE U.S. ECONOMY. THE COALITION PROMOTES AWARENESS OF THE CONSIDERABLE CONTRIBUTIONS AND SUPPORT MID-SIZE BANKS PROVIDE COMMUNITIES ACROSS THE U.S., AND THE BENEFITS THOSE COMMUNITIES DERIVE FROM THE ABILITY OF THESE BANKS TO FULLY COMPETE IN THE MARKETPLACE. THE COALITION IMPLEMENTS A COMMUNICATIONS PLAN THAT FILLS THE AMERICAN PUBLIC SPACE WITH THE COALITION'S EDUCATIONAL MESSAGE. THE COMMUNICATIONS PLAN BUILDS ON EARNED, NEW, AND PAID MEDIA, AND TARGETS LOCAL AND NATIONAL NEWS AND OPINION, NEW MEDIA OF INTEREST, BLOGS AND TEST MESSAGING, AND PAID ADVERTISING ON THE WEB, TELEVISION AND PRINT.

Program 2

RESEARCH, POLICY AND REGULATORY ANALYSIS - THE COALITION PROVIDES OBJECTIVE, NON-PARTISAN RESEARCH AND POLICY ANALYSIS ON POLICY AND REGULATORY ISSUES AFFECTING MID-SIZE BANKS TO THE AMERICAN PUBLIC, INCLUDING POLICYMAKERS AND LEGISLATORS. THROUGH THIS RESEARCH AND POLICY ANALYSIS, THE COALITION SEEKS TO EMPOWER ITS MEMBER BANKS TO PARTICIPATE MORE EFFECTIVELY IN THE NATIONAL LEGISLATIVE AND REGULATORY DIALOGUE ON ISSUES MATERIALLY IMPACTING MID-SIZE BANKS' ABILITY TO SERVE THEIR CUSTOMERS AND CONTRIBUTE FAIRLY AND FULLY TO THE U.S. ECONOMY. THROUGH ITS WORK, THE COALITION ENCOURAGES GREATER CLARITY AND APPRECIATION FOR THE DISTINCTIVE NATURE, SCOPE, AND CONTRIBUTIONS OF MID-SIZE BANKS TO THE U.S. ECONOMY AND THE IMPORTANCE OF SUSTAINING THEM.

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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 $4,691,217

Program Service Revenue $0

Investment Income $161,416

Other Revenue $0

TOTAL REVENUE $4,852,633

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,319,470

Fundraising Expenses $0

Other Expenses $2,343,214

TOTAL EXPENSES $3,662,684

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,852,633	$3,850,000	+0.3%
Expenses	$3,662,684	$2,091,451	+0.8%
Net Income	$1,189,949	$1,758,549	-0.3%

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

$831,517

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB HARRISON	PAST-CHAIR	1.00	Officer Director	$0	$0	$0
BRENT BEARDALL	DIRECTOR	1.00	Director	$0	$0	$0
RANDY CHESLER	CHAIR	1.00	Director	$0	$0	$0
JOHN CIULLA	DIRECTOR	1.00	Director	$0	$0	$0
JEANNE CRAIN	DIRECTOR	1.00	Director	$0	$0	$0
IRA ROBBINS	DIRECTOR	1.00	Director	$0	$0	$0
JIM RYAN	DIRECTOR	1.00	Director	$0	$0	$0
RAJ SINGH	DIRECTOR	1.00	Officer Director	$0	$0	$0
JARED WOLFF	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BLAIR	INCOMING-CHAIR	1.00	Director	$0	$0	$0
BRENT TJARKS	SECRETARY	40.00	Officer	$770,029	$61,488	$831,517
MEAGAN HENDERSON	EMPLOYEE	40.00	Highest	$131,481	$46,629	$178,110

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	$4,852,633	$3,662,684	$7,133,794	$1,189,949
2023	$3,850,000	$2,091,451	$5,807,021	$1,758,549
2022	$2,557,500	$1,515,549	$4,048,472	$1,041,951
2021	$1,068,500	$1,072,792	$3,006,521	$-4,292
2020	$1,800,000	$817,918	$3,010,813	$982,082