Mortar Cincinnati (EIN 472431620) - 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

2014

Legal Domicile

Phone

5138884769

Tax Period

2023-01-01 to 2023-12-31

Mortar Cincinnati, founded in 2014, is a community nonprofit in the Employment sector that reported $1.4M in total revenue in fiscal year 2023. Revenue fell 37% from the prior year — a significant decline worth monitoring. Net assets of $4.1M represent 36 months of operating reserves.

Mission

OUR MISSION IS TO ENABLE UNDER SERVED ENTREPRENEURS AND BUSINESSES TO SUCCEED, CREATING OPPORTUNITIES TO BUILD COMMUNITIES THROUGH ENTREPRENEURSHIP.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,008,845

Program Service Revenue $343,221

Investment Income $50

Other Revenue $0

TOTAL REVENUE $1,352,116

Expense Breakdown

Grants Paid $132,059

Salaries & Benefits $868,826

Fundraising Expenses $67,494

Program Expenses $963,394

Other Expenses $472,633

TOTAL EXPENSES $1,473,518

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,352,116	$2,137,813	-0.4%
Expenses	$1,473,518	$1,464,330	+0.0%
Net Income	$-121,402	$673,483	-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

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

$192,772

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	SECRETARY	1.0	Officer Director	$0	$0	$0
N/A	VICE CHAIR	1.0	Officer Director	$0	$0	$0
N/A	TREASURER	1.0	Officer Director	$0	$0	$0
N/A	BOARD CHAIR	1.0	Officer Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR - TERM ENDED 11/2023	1.0	Director	$0	$0	$0
N/A	DIRECTOR / EXECUTIVE DIRECTOR	40.0	Director	$128,500	$64,272	$192,772
N/A	Director	1.0	Director	$0	$0	$0
N/A	DIRECTOR - TERM ENDED 11/2023	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	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	No data	No data	No data	No data
2023	$1,352,116	$1,473,518	$4,286,008	$-121,402
2022	$2,137,813	$1,464,330	$4,414,085	$673,483
2021	$2,146,436	$1,089,778	$3,608,845	$1,056,658
2020	$2,305,092	$886,237	$2,389,917	$1,418,855
2019	$824,881	$1,095,262	$732,839	$-270,381
2018	$1,064,815	$748,689	$992,353	$316,126

Mortar Cincinnati