MICHIGAN SPEECH COACHES INC (EIN 382751416) - 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

1998

Legal Domicile

Principal Officer

RUTH KAY

Phone

2484175252

Tax Period

2025-01-01 to 2025-12-31

MICHIGAN SPEECH COACHES INC, founded in 1998, is a small nonprofit in the Education sector that reported $226K in total revenue in fiscal year 2025. Expenses of $215K left a modest 5% surplus.

Mission

OUR PRIMARY PURPOSE IS TO EDUCATE AND PROMOTE SPEECH ACTIVITES IN MICHIGAN

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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 $4,264

Program Service Revenue $221,432

Investment Income $475

Other Revenue $0

TOTAL REVENUE $226,171

Expense Breakdown

Grants Paid $4,250

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $213,040

Other Expenses $211,235

TOTAL EXPENSES $215,485

Year-over-Year Comparison

	2025	2024	Change
Revenue	$226,171	$237,088	0.0%
Expenses	$215,485	$224,085	0.0%
Net Income	$10,686	$13,003	-0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES RINEHART	SECRETARY	2.00	Officer Director	$0	$0	$0
ELIZABETH CAMPBELL	TRUSTEE	1.00	Director	$0	$0	$0
TYLER BAAS	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
RUTH KAY	TREASURER	2.00	Officer Director	$0	$0	$0
JOHN RUTHERFORD	TRUSTEE	1.00	Director	$0	$0	$0
JEFFREY BUTTS	TRUSTEE	1.00	Director	$0	$0	$0
HEATHER MCKAIG	PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
AMY JANZ	PRESIDENT	2.00	Officer 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	$226,171	$215,485	$50,926	$10,686
2024	No data	No data	No data	No data
2023	$200,200	$187,437	$27,543	$12,763
2022	$172,962	$183,691	$13,623	$-10,729
2021	$48,690	$48,471	$24,253	$219
2020	$1,810	$9,269	$24,034	$-7,459
2019	$242,605	$235,518	$31,493	$7,087
2018	$235,718	$232,176	$25,016	$3,542

MICHIGAN SPEECH COACHES INC