MVM INC EMPLOYEE BENEFIT TRUST FUND C/O BANK OF AMERICA ROBERT W HUBER (EIN 611571701) - 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

2007

Legal Domicile

Principal Officer

ROBERT W HUBER

Phone

6092742924

Tax Period

2023-01-01 to 2023-12-31

MVM INC EMPLOYEE BENEFIT TRUST FUND C/O BANK OF AMERICA ROBERT W HUBER, founded in 2007, is a community nonprofit in the Mutual Benefit sector that reported $9.8M in total revenue in fiscal year 2023. Revenue surged 75% from the prior year, signaling strong growth momentum. Expenses of $10.8M exceeded revenue, resulting in a 11% operating deficit.

Mission

FUNDS THE MVM INC HEALTH AND WELFARE PLAN

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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 $0

Program Service Revenue $9,713,529

Investment Income $38,485

Other Revenue $0

TOTAL REVENUE $9,752,014

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $10,812,988

Other Expenses $1,097,573

TOTAL EXPENSES $10,812,988

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,752,014	$5,556,739	+0.8%
Expenses	$10,812,988	$5,787,787	+0.9%
Net Income	$-1,060,974	$-231,048	+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

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
N/A	INSTITUTIONAL TRUSTEE	1.00		$12,085	$0	$12,085

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	$9,752,014	$10,812,988	$809,551	$-1,060,974
2022	$5,556,739	$5,787,787	$1,870,525	$-231,048
2021	$5,130,750	$4,577,228	$2,101,573	$553,522
2020	$3,606,627	$4,041,400	$1,548,051	$-434,773
2019	$5,449,798	$4,142,348	$1,833,670	$1,307,450

MVM INC EMPLOYEE BENEFIT TRUST FUND C/O BANK OF AMERICA ROBERT W HUBER