MISSOURI RETAILERS ASSOCIATION

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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

1933

Legal Domicile

Principal Officer

JED PENNEY

Phone

5736362524

Tax Period

2024-01-01 to 2024-12-31

MISSOURI RETAILERS ASSOCIATION, founded in 1933, is a small nonprofit that reported $161K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $187K exceeded revenue, resulting in a 16% operating deficit.

Mission

MISSOURI RETAILERS ASSOCIATION IS A MEMBERSHIP ORGANIZATION WHICH PROVIDES INFORMATION AND RESOURCES TO THE RETAIL SALES INDUSTRY IN MISSOURI.

Program Service Accomplishments

Program 1

MEMBER SERVICES PROVIDE MONEY SAVING COST CONTROL PROGRAMS TAILORED TO THE NEEDS OF THE RETAIL INDUSTRY. A FULL-TIME STAFF IN JEFFERSON CITY ENSURES THAT THE VOICE OF RETAILING IS HEARD IN THE STATE GOVERNMENT. PUBLICATIONS AND MEDIA CONTACTS KEEP THE PUBLIC AND RETAIL INDUSTRY INFORMED OF ISSUES CONCERNING RETAILING IN MISSOURI.

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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 $156,688

Investment Income $3,781

Other Revenue $750

TOTAL REVENUE $161,219

Expense Breakdown

Grants Paid $0

Salaries & Benefits $167,636

Fundraising Expenses $0

Other Expenses $19,451

TOTAL EXPENSES $187,087

Year-over-Year Comparison

	2024	2023	Change
Revenue	$161,219	$178,835	-0.1%
Expenses	$187,087	$185,241	+0.0%
Net Income	$-25,868	$-6,406	+3.0%

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

$125,315

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID OVERFELT	PRESIDENT/SE	40.00	Officer	$100,008	$25,307	$125,315
JOEL BAISE	MEMBER	0.25	Director	$0	$0	$0
ELISE DIEDRICH	MEMBER	0.25	Director	$0	$0	$0
OPIO DUPREE	MEMBER	0.25	Director	$0	$0	$0
CELINDA GONZALEZ	MEMBER	0.25	Director	$0	$0	$0
BRYAN HARRISON	MEMBER	0.25	Director	$0	$0	$0
KARIN HOLT	MEMBER	0.25	Director	$0	$0	$0
MIKE JUNK	VICE CHAIRMA	0.25	Officer Director	$0	$0	$0
CHRISTINA MORRIS	MEMBER	0.25	Director	$0	$0	$0
JOHN PELZER	ASSISTANT TR	0.25	Officer Director	$0	$0	$0
JED PENNEY	CHAIRMAN	0.25	Officer Director	$0	$0	$0
DAN SHAUL	TREASURER	0.25	Officer Director	$0	$0	$0
LISETTE TORRES	MEMBER	0.25	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	No data	No data	No data	No data
2024	$161,219	$187,087	$176,602	$-25,868
2023	$178,835	$185,241	$202,424	$-6,406
2022	$190,398	$186,163	$208,833	$4,235
2021	$221,974	$223,775	$204,449	$-1,801
2020	$242,047	$239,573	$206,145	$2,474
2019	$297,621	$237,598	$203,553	$60,023
2018	$233,590	$204,070	$144,977	$29,520