Junior Achievement of North Central Michigan Inc (EIN 386081685) - 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

1952

Legal Domicile

Principal Officer

Kristy LeVasseur

Phone

9896310162

Tax Period

2024-07-01 to 2025-06-30

Junior Achievement of North Central Michigan Inc, founded in 1952, is a small nonprofit in the Youth Development sector that reported $710K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $652K left a modest 8% surplus.

Mission

We are empowering young people to own their economic success. Our volunteer-based K-12 programs foster work-readiness, entrepreneurship, and financial literacy skills, and use experiential learning to inspire kids to dream big and reach their potential.

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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 $722,420

Program Service Revenue $0

Investment Income $14,119

Other Revenue $-26,796

TOTAL REVENUE $709,743

Expense Breakdown

Grants Paid $0

Salaries & Benefits $444,256

Fundraising Expenses $124,586

Program Expenses $436,053

Other Expenses $207,288

TOTAL EXPENSES $651,544

Year-over-Year Comparison

	2024	2023	Change
Revenue	$709,743	$951,779	-0.3%
Expenses	$651,544	$552,208	+0.2%
Net Income	$58,199	$399,571	-0.9%

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

208

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

$157,671

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Marc Cesere	Chair	1.00	Officer Director	$0	$0	$0
Anirban Ghose	Vice-Chair	1.00	Officer Director	$0	$0	$0
Alicia Kozak	Treasurer	1.00	Officer Director	$0	$0	$0
Diane Middleton	Secretary	1.00	Officer Director	$0	$0	$0
Chris Moultrup	Exec Comm	1.00	Director	$0	$0	$0
Jennifer Nigl	Exec Comm	1.00	Director	$0	$0	$0
Brian Rang	Exec Comm	1.00	Director	$0	$0	$0
Mike Williams	Past Chair	1.00	Officer Director	$0	$0	$0
Jeff Bates	Member	1.00	Director	$0	$0	$0
Jamie Broderick	Member	1.00	Director	$0	$0	$0
Stacy Klinski	Member	1.00	Director	$0	$0	$0
Clint Clark	Member	1.00	Director	$0	$0	$0
Kaitlyn DeBolt	Member	1.00	Director	$0	$0	$0
Irvin DeLong	Member	1.00	Director	$0	$0	$0
Michael Glackin	Member	1.00	Director	$0	$0	$0
Kristi Gledhill	Member	1.00	Director	$0	$0	$0
Rich Groves	Member	1.00	Director	$0	$0	$0
Ryan Hammis	Member	1.00	Director	$0	$0	$0
Barb Henton	Member	1.00	Director	$0	$0	$0
Jayme LaRose	Member	1.00	Director	$0	$0	$0
Edward Lesniak	Member	1.00	Director	$0	$0	$0
Karen McNish	Member	1.00	Director	$0	$0	$0
Tim Nash	Member	1.00	Director	$0	$0	$0
Damien Polansky	Member	1.00	Director	$0	$0	$0
Michelle Schuster	Member	1.00	Director	$0	$0	$0
Micah Skidmore	Member	1.00	Director	$0	$0	$0
Pete Stevens	Member	1.00	Director	$0	$0	$0
Angela Street	Member	1.00	Director	$0	$0	$0
Ryan Sullivan	Member	1.00	Director	$0	$0	$0
Carly Wieland	Member	1.00	Director	$0	$0	$0
Keith Wenzel	Member	1.00	Director	$0	$0	$0
Michael Rush	Executive Director	40.00	Officer	$98,749	$9,543	$108,292
Amanda Bloniarczyk	Accountant	40.00	Officer	$47,287	$2,092	$49,379
Kristy LeVasseur	Executive Director	40.00	Officer	$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	$709,743	$651,544	$1,073,901	$58,199
2024	$951,779	$552,208	$1,021,419	$399,571
2023	$299,623	$362,157	$610,892	$-62,534
2022	$369,801	$365,681	$706,387	$4,120
2021	$430,827	$348,688	$766,564	$82,139
2020	$392,391	$504,912	$673,073	$-112,521
2019	$417,596	$521,846	$681,991	$-104,250

Junior Achievement of North Central Michigan Inc