MONTANA FOOD DISTRIBUTORS ASSOC

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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

1939

Legal Domicile

Principal Officer

MCKEE ANDERSON

Phone

4064496394

Tax Period

2023-01-01 to 2023-12-31

MONTANA FOOD DISTRIBUTORS ASSOC, founded in 1939, is a small nonprofit that reported $120K in total revenue in fiscal year 2023. Expenses of $137K exceeded revenue, resulting in a 14% operating deficit.

Mission

PROMOTING AND PROTECTING THE GROCERY INDUSTRY OF MONTANA. TO PROVIDE MEMBERS WITH THE SERVICES, WHICH MAY BE IMPOSSIBLE, IMPRACTICAL OR ECONOMICALLY INFEASIBLE TO ACHIEVE ALONE.

Program Service Accomplishments

Program 1

THE ASSOCIATION PROVIDES ITS MEMBERS THE OPPORTUNITY TO PARTICIPATE IN A FULLY INSURED HEALTH, LIFE, DENTAL AND VISION PLAN AT A COMPETETIVE PRICE. IN ADDITION TO THE FULLY INSURED BENEFITS, A...

THE ASSOCIATION PROVIDES ITS MEMBERS THE OPPORTUNITY TO PARTICIPATE IN A FULLY INSURED HEALTH, LIFE, DENTAL AND VISION PLAN AT A COMPETETIVE PRICE. IN ADDITION TO THE FULLY INSURED BENEFITS, A VOLUNTARY EMPLOYEE BENEFITS ASSOCIATION (VEBA) TRUST IS BEING ESTABLISHED TO PROVIDE PREMIUM STABILITY AND LARGE LOSS PROTECTION FOR LOSSES IN EXCESS OF $100,000. THE VEBA STRUCTURE PROTECTS PARTICIPATING MEMBERS FROM LARGE PREMIUM SWINGS AND UNPREDICTABLE COSTS OF EMPLOYEE BENEFITS.

Program 2

THE ASSOCIATION PROVIDES A GROUP PURCHASING AND WORK PLACE SAFETY PROGRAM, WHICH BENEFITS THE MEMBERS IN A MULTITUDE OF AREAS. THE RECOGNIZED BENEFITS PROVIDED BY THE ASSOCIATION PROGRAM INCLUDE A...

THE ASSOCIATION PROVIDES A GROUP PURCHASING AND WORK PLACE SAFETY PROGRAM, WHICH BENEFITS THE MEMBERS IN A MULTITUDE OF AREAS. THE RECOGNIZED BENEFITS PROVIDED BY THE ASSOCIATION PROGRAM INCLUDE A POTENTIAL REDUCTION IN WORKPLACE INJURY COSTS BY PROMOTING WORKPLACE SAFETY, A REDUCTION IN PREMIUM BY GROUP PURCHASING POWER, A DUAL DIVIDEND STRUCTURE (INDIVIDUAL AND GROUP) FOR EFFECTIVE LOSS CONTROL, CENTRAL BILING BY THE ASSOCIATION.

Program 3

THE ASSOCIATION PROVIDES A CENTRAL CLEARING SERVICE THROUGH A CONTRACT SERVICE PROVIDER TO REDEEM MANUFACTUERS' DISCOUNT COUPONS HONORED BY THE MEMBERS FOR THEIR RETAIL CUSTOMERS. THE PROGRAM...

THE ASSOCIATION PROVIDES A CENTRAL CLEARING SERVICE THROUGH A CONTRACT SERVICE PROVIDER TO REDEEM MANUFACTUERS' DISCOUNT COUPONS HONORED BY THE MEMBERS FOR THEIR RETAIL CUSTOMERS. THE PROGRAM ORIGINATED IN 1939 AND IS THE OLDEST SERVICE TO THE MEMBER CURRENTLY PAYING 99% OF THE FACE VALUE OF THE COUPON TO THE MEMBER.

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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 $45,109

Program Service Revenue $68,981

Investment Income $5,808

Other Revenue $377

TOTAL REVENUE $120,275

Expense Breakdown

Grants Paid $0

Salaries & Benefits $109,668

Fundraising Expenses $0

Other Expenses $26,926

TOTAL EXPENSES $136,594

Year-over-Year Comparison

	2023	2022	Change
Revenue	$120,275	$115,212	+0.0%
Expenses	$136,594	$151,594	-0.1%
Net Income	$-16,319	$-36,382	-0.6%

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

$50,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MCKEE ANDERSON	President/Ex Di	40.00	Officer	$50,000	$0	$50,000
MITCH BRADLEY	Chairman	1.00	Officer Director	$0	$0	$0
GARY MCDANIEL	Vice Chairman	1.00	Officer Director	$0	$0	$0
KATHIE EMMETT	Secretary/Treas	1.00	Officer Director	$0	$0	$0
BRUCE SWANSON	Director	1.00	Director	$0	$0	$0
RICHARD STANG	Director	1.00	Director	$0	$0	$0
TIM HORTON	Director	1.00	Director	$0	$0	$0
CHRIS SCHELL	Director	1.00	Director	$0	$0	$0
RICHARD ANDERSON	Council Rep	1.00	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	$120,275	$136,594	$3,419,171	$-16,319
2022	$115,212	$151,594	$2,893,172	$-36,382
2021	$111,208	$141,589	$3,232,288	$-30,381
2020	$105,708	$143,932	$3,029,316	$-38,224
2019	$131,799	$145,284	$3,050,512	$-13,485
2018	$158,102	$155,892	$2,748,054	$2,210
2017	$166,016	$167,408	$2,740,607	$-1,392