MARO EMPLOYMENT AND TRAINING ASSOC… - Form 990 Financial Data

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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

2025-01-01 to 2025-12-31

MARO EMPLOYMENT AND TRAINING ASSOCIATION, founded in 1974, is a small nonprofit that reported $831K in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year.

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.

Program Service Accomplishments

Program 1

Expenses: $554,068 Revenue: $520,433

DISSEMINATION OF INFORMATION AND HOLDING OF WORKSHOPS, CONFERENCES, AND MEETINGS TO TRANSMIT INFORMATION TO MEMBERS. HOLD REGIONAL MEETINGS FOR MEMBERS TO DISCUSS ISSUES OF COMMON CONCERN AND PROVIDE OPPORTUNITIES FOR COLLECTIVE ACTION. PROVIDE SAFETY TRAINING FOR ORGANIZATIONS WORKING WITH PEOPLE WITH BARRIERS TO EMPLOYMENT.

Program 2

Expenses: $147,275 Revenue: $142,669

CENTER FOR SOCIAL ENTERPRISE DEVELOPMENT: PROVIDES GRANTS, TRAINING, AND TECHNICAL ASSISTANCE TO DEVELOP EMPLOYMENT-FOCUSED SOCIAL ENTERPRISES ACROSS MICHIGAN. SUPPORTS MEMBER AGENCIES AND EMPLOYERS IN CREATING JOB TRAINING AND EMPLOYMENT OPPORTUNITIES FOR INDIVIDUALS FACING BARRIERS, INCLUDING PEOPLE WITH DISABILITIES AND THOSE FORMERLY INCARCERATED. PROMOTES WORKFORCE INTEGRATION, ECONOMIC SELF-SUFFICIENCY, AND COMMUNITY ENGAGEMENT THROUGH INNOVATIVE BUSINESS MODELS AND SUPPORTIVE SERVICES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $72,221

Program Service Revenue $718,619

Investment Income $40,130

Other Revenue $86

TOTAL REVENUE $831,056

Expense Breakdown

Grants Paid $0

Salaries & Benefits $449,665

Fundraising Expenses $0

Program Expenses $701,343

Other Expenses $392,682

TOTAL EXPENSES $842,347

Year-over-Year Comparison

	2025	2024	Change
Revenue	$831,056	$881,517	-0.1%
Expenses	$842,347	$882,734	0.0%
Net Income	$-11,291	$-1,217	+8.3%

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

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

$265,969

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD CULVER	CEO	40.00	Officer	$169,993	$2,910	$172,903
LAURIE MORSE-DELL	CIO	40.00	Officer	$91,204	$1,862	$93,066
JILL BONTHUIS	CHAIR	1.00	Officer Director	$0	$0	$0
JEANETTE HOYER	VICE CHAIR	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
CHERYL OHMAN	TREASURER	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
PAUL BLATT	MEMBER	1.00	Director	$0	$0	$0
LAUREL BUCK	MEMBER	1.00	Director	$0	$0	$0
CINDY EVANS	MEMBER	1.00	Director	$0	$0	$0
JENNIFER GRACE	MEMBER	1.00	Director	$0	$0	$0
EMILIA GUTIERREZ	MEMBER	1.00	Director	$0	$0	$0
TIM HATFIELD	MEMBER	1.00	Director	$0	$0	$0
KIM MADSEN	MEMBER	1.00	Director	$0	$0	$0
DAN PONTIUS	MEMBER	1.00	Director	$0	$0	$0
WILL WILSON	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
2025	$831,056	$842,347	$1,607,103	$-11,291
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