WBD INC (EIN 391400466) - 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

1981

Legal Domicile

Principal Officer

DAN SCHNEIDER

Phone

6088190390

Tax Period

2024-10-01 to 2025-09-30

WBD INC, founded in 1981, is a mid-sized nonprofit in the Community Improvement sector that reported $10.4M in total revenue in fiscal year 2024. Expenses of $9.7M left a modest 7% surplus.

Mission

ASSIST SMALL BUSINESSES TO OBTAIN CAPITAL FROM THE SBA TO SUPPORT JOB CREATION AND RETENTION.

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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 $0

Program Service Revenue $9,623,697

Investment Income $763,782

Other Revenue $5,751

TOTAL REVENUE $10,393,230

Expense Breakdown

Grants Paid $569,065

Salaries & Benefits $7,750,913

Fundraising Expenses $0

Program Expenses $8,242,917

Other Expenses $1,343,003

TOTAL EXPENSES $9,662,981

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,393,230	$9,918,745	+0.0%
Expenses	$9,662,981	$8,688,638	+0.1%
Net Income	$730,249	$1,230,107	-0.4%

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

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

$977,788

Total Directors

$458,977

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN SCHNEIDER	PRESIDENT & CORPORATE EXECUTIVE OFFICER	40.00	Officer Director	$391,671	$39,655	$431,326
PATRICK SCHLOSS	CHAIR	1.00	Officer Director	$3,750	$0	$3,750
DAVID BORCHARDT	VICE CHAIR	1.00	Officer Director	$4,238	$0	$4,238
BARBARA LAMUE	SECRETARY	1.00	Officer Director	$3,200	$0	$3,200
SHAWN WELLNITZ	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM MITCHELL	DIRECTOR	1.00	Director	$3,500	$0	$3,500
STEVEN PETERSON	DIRECTOR	1.00	Director	$4,563	$0	$4,563
DAVE PROVANCHER	DIRECTOR	1.00	Director	$1,400	$0	$1,400
THOMAS MEWS	DIRECTOR	1.00	Director	$1,500	$0	$1,500
PAM CHRISTENSON	DIRECTOR	1.00	Director	$850	$0	$850
CRAIG ADERHOLD	DIRECTOR	1.00	Director	$4,650	$0	$4,650
DAN BATTEN	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE BAUMAN	DIRECTOR	1.00	Director	$0	$0	$0
RANDAL KYLE	CORPORATE OPERATIONS OFFICER	40.00	Officer	$176,396	$6,184	$182,580
WENDA ROYCRAFT	SENIOR VP & CORP CREDIT OFFICER	40.00	Officer	$338,257	$14,437	$352,694
STEPHEN KOHL	VP & LOAN OFFICER	40.00	Highest	$216,583	$34,501	$251,084
JASON MONNETT	EXECUTIVE VP & SENIOR LOAN OFFICER	40.00	Highest	$291,936	$22,022	$313,958
NICHOLAS DREWSEN	VP & LOAN OFFICER	40.00	Highest	$252,648	$12,779	$265,427
LANCE WALTER	SENIOR VP MARKETING & COMMUNICATIONS	40.00	Highest	$221,810	$31,735	$253,545
MARCIE MAHUTA	SENIOR VP OF FINANCE & ADMIN	40.00	Highest	$208,724	$25,234	$233,958

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	$10,393,230	$9,662,981	$22,957,192	$730,249
2024	$9,918,745	$8,688,638	$20,723,212	$1,230,107
2023	$9,133,880	$8,213,295	$16,784,755	$920,585
2022	$9,399,155	$8,330,067	$14,868,892	$1,069,088
2021	$8,753,222	$7,262,941	$14,427,798	$1,490,281
2020	$7,624,156	$6,997,440	$11,220,211	$626,716
2019	$7,035,810	$5,856,769	$9,377,074	$1,179,041
2018	$6,790,715	$5,991,162	$7,771,141	$799,553

WBD INC