MARO EMPLOYMENT AND TRAINING ASSOCIATION (EIN 382081453) - 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

1974

Legal Domicile

Principal Officer

TODD CULVER

Phone

5174845588

Tax Period

2024-01-01 to 2024-12-31

MARO EMPLOYMENT AND TRAINING ASSOCIATION, founded in 1974, is a small nonprofit that reported $882K in total revenue in fiscal year 2024. Revenue fell 76% from the prior year — a significant decline worth monitoring.

Mission

ASSIST MEMBER AGENCIES IN THE DEVELOPMENT AND PROMOTION OF QUALITY REHABILITATION SERVICES. THE ASSOCIATION IS A NETWORK OF ORGANIZATIONS THAT CREATES OPPORTUNITIES FOR PEOPLE WITH BARRIERS TO COMMUNITY ACCESS AND EMPLOYMENT.

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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 $188,857

Program Service Revenue $654,194

Investment Income $34,530

Other Revenue $3,936

TOTAL REVENUE $881,517

Expense Breakdown

Grants Paid $96,899

Salaries & Benefits $399,759

Fundraising Expenses $0

Program Expenses $791,689

Other Expenses $386,076

TOTAL EXPENSES $882,734

Year-over-Year Comparison

	2024	2023	Change
Revenue	$881,517	$3,651,705	-0.8%
Expenses	$882,734	$3,544,646	-0.8%
Net Income	$-1,217	$107,059	-1.0%

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

$266,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD CULVER	CEO	40.00	Officer	$170,092	$2,910	$173,002
LAURIE MORSE-DELL	COO	40.00	Officer	$91,887	$1,511	$93,398
JILL BONTHUIS	CHAIR	1.00	Officer Director	$0	$0	$0
JEANETTE HOYER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
CHERYL OHMAN	TREASURER	1.00	Officer Director	$0	$0	$0
LENORA HARDY-FOSTER	IMMED PAST C	1.00	Officer Director	$0	$0	$0
CHERIE JOHNSON	SECRETARY	1.00	Officer Director	$0	$0	$0
COLLEEN ALLEN	MEMBER	1.00	Director	$0	$0	$0
BRIAN BABBITT	MEMBER	1.00	Director	$0	$0	$0
LAUREL BUCK	MEMBER	1.00	Director	$0	$0	$0
JENNIFER GRACE	MEMBER	1.00	Director	$0	$0	$0
TIM HATFIELD	MEMBER	1.00	Director	$0	$0	$0
CHARMAINE KENNEDY	MEMBER	1.00	Director	$0	$0	$0
JO SPERRY	MEMBER	1.00	Director	$0	$0	$0
PAUL BLATT	MEMBER	1.00	Director	$0	$0	$0
EMILIA GUTIERREZ	MEMBER	1.00	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
2024	$881,517	$882,734	$1,590,908	$-1,217
2023	$3,651,705	$3,544,646	$2,036,246	$107,059
2022	$738,814	$802,788	$1,332,509	$-63,974
2021	$683,980	$628,450	$1,544,470	$55,530
2020	$556,084	$622,186	$1,444,441	$-66,102
2019	$784,491	$836,991	$1,506,203	$-52,500

MARO EMPLOYMENT AND TRAINING ASSOCIATION