Employes' Mutual Benefit Association (EIN 396006836) - 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

1912

Legal Domicile

Principal Officer

Timothy Smith

Phone

4142212997

Tax Period

2025-01-01 to 2025-12-31

Employes' Mutual Benefit Association, founded in 1912, is a small nonprofit that reported $144K in total revenue in fiscal year 2025. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $284K exceeded revenue, resulting in a 97% operating deficit.

Mission

To provide short term disability insurance for employee purchase and provide for the distribution of member funds to members in need

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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 $6,663

Program Service Revenue $127,955

Investment Income $9,571

Other Revenue $40

TOTAL REVENUE $144,229

Expense Breakdown

Grants Paid $22,349

Salaries & Benefits $57,258

Fundraising Expenses $0

Program Expenses $76,194

Other Expenses $150,876

TOTAL EXPENSES $284,328

Year-over-Year Comparison

	2025	2024	Change
Revenue	$144,229	$186,327	-0.2%
Expenses	$284,328	$296,718	0.0%
Net Income	$-140,099	$-110,391	+0.3%

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

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

$41,472

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Timothy Smith	Secretary	10.0	Officer	$0	$0	$41,472
Perry Bishop	Director	0.0	Director	$0	$0	$0
Matthew Cavanaugh	Director	0.0	Director	$0	$0	$0
Wayne Fillinger Jr	President	0.0	Officer Director	$0	$0	$0
Jennifer Buchanan	Director	0.0	Director	$0	$0	$0
Krystine Koike	Director	0.0	Director	$0	$0	$0
Timothy Saviano	Director	0.0	Director	$0	$0	$0
Melvin Wills	Director	0.0	Director	$0	$0	$0
Joe Dable	Director	0.0	Director	$0	$0	$0
Monica Gebhart	Vice President	0.0	Officer Director	$0	$0	$0
Michelle Lamke	Director	0.0	Director	$0	$0	$0
Tarek Musaitef	Director	0.0	Director	$0	$0	$0
Zachary Beanland	Director	0.0	Director	$0	$0	$0
William Howard	Director	0.0	Director	$0	$0	$0
Douglas Hartmann	Director	0.0	Director	$0	$0	$0
Chris Schroeder	Director	0.0	Director	$0	$0	$0
Paul Hirthe	Treasurer	0.0	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	$144,229	$284,328	$460,446	$-140,099
2024	$186,327	$296,718	$600,670	$-110,391
2023	$189,080	$232,505	$694,055	$-43,425
2022	$197,319	$275,119	$768,346	$-77,800
2021	$213,657	$234,426	$832,720	$-20,769
2020	$252,095	$260,756	$855,218	$-8,661

Employes' Mutual Benefit Association