MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN (EIN 436207542) - 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

1976

Legal Domicile

Principal Officer

MICHAEL W ANDERSON

Phone

5736368151

Tax Period

2024-01-01 to 2024-12-31

MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN, founded in 1976, is a mid-sized nonprofit that reported $19.8M in total revenue in fiscal year 2024.

Mission

MBA-VEBA OFFERS INSURANCE BENEFITS FOR EMPLOYEES AND THEIR DEPENDENTS OF MISSOURI BANKERS ASSOCIATION MEMBER ORGANIZATIONS.

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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 $19,798,359

Investment Income $27,727

Other Revenue $12,341

TOTAL REVENUE $19,838,427

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $2,342,437

TOTAL EXPENSES $20,202,606

Year-over-Year Comparison

	2024	2023	Change
Revenue	$19,838,427	$19,700,866	+0.0%
Expenses	$20,202,606	$18,201,104	+0.1%
Net Income	$-364,179	$1,499,762	-1.2%

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

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
MICHAEL W ANDERSON	CHAIRMAN	0.50	Officer Director	$0	$0	$0
DWAYNE A FALK	VICE-CHAIRMAN	0.50	Officer Director	$0	$0	$0
JESSICA E GREEN	TRUSTEE	0.50	Director	$0	$0	$0
ROBERT E MICKEY	TRUSTEE	0.50	Director	$0	$0	$0
DOUG FISH	TRUSTEE	0.50	Director	$0	$0	$0
JILL NIECE	TRUSTEE	0.50	Director	$0	$0	$0
KIM REIGELSBERGER	TRUSTEE	0.50	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
2024	$19,838,427	$20,202,606	$504,998	$-364,179
2023	$19,700,866	$18,201,104	$2,356,432	$1,499,762
2022	$19,954,918	$19,877,361	$1,303,120	$77,557
2021	$27,015,918	$26,548,697	$2,033,711	$467,221
2020	$26,497,855	$26,530,704	$1,540,842	$-32,849
2019	$24,319,936	$26,927,267	$2,147,675	$-2,607,331
2018	$24,837,735	$22,983,474	$4,559,763	$1,854,261

MISSOURI BANKERS ASSOCIATION - VOLUNTARY EMPLOYEES BENEFICIARY ASSN