WARREN COUNTY SMALL BUSINESS DEVELOPMENT ALLIANCE (EIN 461439066) - 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

2012

Legal Domicile

Principal Officer

PAUL BREHM

Phone

5139344793

Tax Period

2025-01-01 to 2025-12-31

WARREN COUNTY SMALL BUSINESS DEVELOPMENT ALLIANCE, founded in 2012, is a small nonprofit in the Human Services sector that reported $246K in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $236K left a modest 4% surplus.

Mission

TO PROVIDE COUNSELING AND TRAINING TO SUPPORT SMALL BUSINESSES IN WARREN COUNTY, OHIO.

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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 $246,153

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $246,153

Expense Breakdown

Grants Paid $0

Salaries & Benefits $173,094

Fundraising Expenses $0

Other Expenses $63,275

TOTAL EXPENSES $236,369

Year-over-Year Comparison

	2025	2024	Change
Revenue	$246,153	$209,273	+0.2%
Expenses	$236,369	$213,052	+0.1%
Net Income	$9,784	$-3,779	-3.6%

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

Total Directors

$80,496

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDY KUVIN	TREASURER	0.75	Officer Director	$0	$0	$0
MARK SWARTZ	BOARD MEMBER	0.25	Director	$0	$0	$0
DWIGHT A PACKARD II	BOARD MEMBER	0.25	Director	$0	$0	$0
JENNIFER MAYNARD	BOARD MEMBER	0.25	Director	$0	$0	$0
KELLY MILLER	SECRETARY	0.75	Officer Director	$0	$0	$0
JACOB SCHULTE	BOARD MEMBER	0.25	Director	$0	$0	$0
PAUL BREHM	PRESIDENT	0.75	Officer Director	$0	$0	$0
MATT SCHNIPKE	VICE PRESIDENT	0.75	Officer Director	$0	$0	$0
KIM GATES	BOARD MEMBER	0.25	Director	$0	$0	$0
MICHAEL STATER	EXEC DIRECTOR	40.00	Director	$80,496	$0	$80,496

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	$246,153	$236,369	$106,458	$9,784
2024	No data	No data	No data	No data
2023	$231,900	$230,095	$52,973	$1,805
2022	$225,366	$232,508	$51,168	$-7,142
2021	$224,808	$226,293	$58,310	$-1,485
2020	$255,640	$210,793	$59,795	$44,847

WARREN COUNTY SMALL BUSINESS DEVELOPMENT ALLIANCE