SMALL BUSINESS ASSOCIATION OF MICHIGAN (EIN 381898699) - 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

1969

Legal Domicile

Principal Officer

BRIAN CALLEY

Phone

5174828788

Tax Period

2024-07-01 to 2025-06-30

SMALL BUSINESS ASSOCIATION OF MICHIGAN, founded in 1969, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2024. Revenue surged 82% from the prior year, signaling strong growth momentum. Expenses of $2.7M left a modest 8% surplus.

Mission

THE SMALL BUSINESS ASSOCIATION OF MICHIGAN'S MISSION IS TO HELP MICHIGAN SMALL BUSINESSES SUCCEED BY PROMOTING ENTREPRENEURSHIP, LEVERAGING BUYING POWER AND ENGAGING IN POLITICAL 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 $1,291,068

Program Service Revenue $1,481,527

Investment Income $44,299

Other Revenue $146,010

TOTAL REVENUE $2,962,904

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,078,223

Fundraising Expenses $0

Other Expenses $1,641,419

TOTAL EXPENSES $2,719,642

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,962,904	$1,626,189	+0.8%
Expenses	$2,719,642	$1,795,372	+0.5%
Net Income	$243,262	$-169,183	-2.4%

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

506

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

$324,065

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALI HAIDER	DIRECTOR	0.50	Director	$0	$0	$0
ANNE BRIDGEWATER	DIRECTOR	0.50	Director	$0	$0	$0
BREANNA STUART	DIRECTOR	0.50	Director	$0	$0	$0
DEREK DICKOW	DIRECTOR	0.50	Director	$0	$0	$0
DIANNE HARTWELL	DIRECTOR	0.50	Director	$0	$0	$0
EVAN MATHISON	DIRECTOR	0.50	Director	$0	$0	$0
HEATHER ISCH	DIRECTOR	0.50	Director	$0	$0	$0
JENNY BROWN	DIRECTOR	0.50	Director	$0	$0	$0
KAREN MAY	DIRECTOR	0.50	Director	$0	$0	$0
KEVIN BEGOLA	DIRECTOR	0.50	Director	$0	$0	$0
KIM BODE	DIRECTOR	0.50	Director	$0	$0	$0
LARRY FARAGALLI	DIRECTOR	0.50	Director	$0	$0	$0
MATT RUSSELL	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL DEBRUYN	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL SHABLUK	DIRECTOR	0.50	Director	$0	$0	$0
MONICA GAUTHIER	DIRECTOR	0.50	Director	$0	$0	$0
PATTI EISENBRAUN	DIRECTOR	0.50	Director	$0	$0	$0
SHANNON ENDERS	DIRECTOR	0.50	Director	$0	$0	$0
GINNY SHERROW	SECRETARY	0.50	Officer Director	$0	$0	$0
MARK WARE	TREASURER	0.50	Officer Director	$0	$0	$0
GINA THORSEN	SECOND VICE CHAIR	0.50	Officer Director	$0	$0	$0
SHERI WELSH	FIRST VICE CHAIR	0.50	Officer Director	$0	$0	$0
SUE TELLIER	IMMEDIATE PAST CHAIR	0.50	Officer Director	$0	$0	$0
ERICK STEWART	CHAIR	0.50	Officer Director	$0	$0	$0
BRIAN CALLEY	PRESIDENT/CEO	16.00	Officer	$124,076	$13,875	$324,065
ANN PARKER	COO (ENDED 12/24)	12.00	Highest	$57,531	$18,715	$210,485
KELLI SAUNDERS	VP OF POLICY & ENGAGEMENT	32.00	Highest	$85,121	$3,636	$110,037
MICHELLE BEEBE	CHIEF REVENUE OFFICER	16.00	Highest	$77,693	$10,070	$204,302
SARAH MILLER	VP OF OPERATIONS	12.00	Highest	$37,198	$32,947	$156,940

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	$2,962,904	$2,719,642	$2,387,591	$243,262
2024	$1,626,189	$1,795,372	$2,002,527	$-169,183
2023	$1,417,693	$1,679,028	$1,891,437	$-261,335
2022	$7,497,354	$7,326,262	$1,798,183	$171,092
2021	$4,410,937	$4,504,475	$1,887,866	$-93,538
2020	$1,657,577	$1,646,090	$1,648,115	$11,487
2019	$1,406,822	$1,540,989	$1,776,345	$-134,167
2018	$1,323,110	$1,373,978	$1,783,593	$-50,868

SMALL BUSINESS ASSOCIATION OF MICHIGAN