THE MARRS MCLEAN TRUST #487601 FROST BANK TRUSTEE (EIN 746342783) - 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

1985

Legal Domicile

Principal Officer

FROST BANK

Phone

2102204441

Tax Period

2024-05-01 to 2025-04-30

THE MARRS MCLEAN TRUST #487601 FROST BANK TRUSTEE, founded in 1985, is a small nonprofit that reported $669K in total revenue in fiscal year 2024. Revenue surged 84% from the prior year, signaling strong growth momentum. Net assets of $12.4M represent 222 months of operating reserves.

Mission

FOR PURPOSES OF FORM 990, "THE ORGANIZATION" WILL REFER TO FROST BANK, THE INSTITUTIONAL TRUSTEE OF THIS CHARITABLE TRUST. FROST BANK CARRIES OUT THE INTENT AND DIRECTIONS PROVIDED IN THE GOVERNING DOCUMENT OF THE TRUST. THE SETTLOR OF THIS TRUST DIRECTED THAT THE ENDOWMENT FUND BE ORGANIZED AND OPERATED TO SUPPORT THREE NAMED PUBLICLY SUPPORTED SEC 501(C)(3) ORGANIZATIONS. THE NET INCOME FROM THE INVESTMENTS IS DISTRIBUTED IN FIXED PERCENTAGES TO OR FOR THE BENEFIT OF THE NAMED ORGANIZATIONS. THE MARRS MCLEAN TRUST IS AN ENDOWMENT FUND CREATED UNDER THE WILL OF VERNA HOOKS MCLEAN.

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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 $0

Investment Income $494,898

Other Revenue $173,845

TOTAL REVENUE $668,743

Expense Breakdown

Grants Paid $623,633

Salaries & Benefits $28,449

Fundraising Expenses $0

Program Expenses $623,633

Other Expenses $35,176

TOTAL EXPENSES $687,258

Year-over-Year Comparison

	2024	2023	Change
Revenue	$668,743	$362,918	+0.8%
Expenses	$687,258	$690,511	0.0%
Net Income	$-18,515	$-327,593	-0.9%

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

N/A

Independent Members

N/A

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	TRUSTEE	40.00		$28,449	$0	$28,449

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	$668,743	$687,258	$12,377,178	$-18,515
2024	$362,918	$690,511	$12,395,693	$-327,593
2023	$1,974,780	$837,663	$12,723,286	$1,137,117
2022	$1,329,961	$643,373	$11,586,169	$686,588
2021	$800,945	$346,991	$10,899,581	$453,954
2020	$634,215	$500,769	$10,445,627	$133,446
2019	$847,519	$508,885	$10,312,181	$338,634

THE MARRS MCLEAN TRUST #487601 FROST BANK TRUSTEE