MICROENTERPRISE COUNCIL OF MD

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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

Principal Officer

MIKAL MCCARTNEY

Phone

3015018731

Tax Period

2025-01-01 to 2025-12-31

Mission

OUR MISSION IS TO ADVANCE AND PROMOTE SUSTAINABLE MICROENTERPRISE DEVELOPMENT ACTIVITIES IN MARYLAND, THROUGH POLICIES, EDUCATION, COMMUNICATION, TRAINING, ETC.

Program Service Accomplishments

Program 1

Expenses: $34,187

SUSTAINING MICRO ENTERPRISE DEVELOPMENT IN THE STATE OF MARYLAND.

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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 $0

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $0

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $34,187

Other Expenses $34,437

TOTAL EXPENSES $34,437

Year-over-Year Comparison

	2025	2024	Change
Revenue	N/A	N/A	N/A
Expenses	$34,437	$36,458	-0.1%
Net Income	N/A	$-36,458	N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKAL MCCARTNE	PRES/EX DIRECT	20	Officer	$0	$0	$0
RAY MGEE	V PRESIDENT	1	Officer	$0	$0	$0
MELLASA BUNN	SECRETARY	1	Officer	$0	$0	$0
FRANCES CLARK	TREASURER	1	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	No data	$34,437	$422,615	No data
2024	No data	$36,458	$456,864	No data
2023	$17	$22,670	$493,510	$-22,653
2022	$25,003	$173,208	$477,774	$-148,205
2021	$225,004	$265,689	$628,694	$-40,685
2020	$11	$185,572	$1,776,686	$-185,561
2019	$37	$178,748	$1,461,698	$-178,711
2018	$200,037	$181,862	$1,646,424	$18,175