AMERICAN INDEPENDENT BUSINESS ALLIANCE (EIN 841602447) - 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

2001

Legal Domicile

Principal Officer

LAURENCE F HAMMEL

Phone

5084797355

Tax Period

2023-01-01 to 2023-12-31

AMERICAN INDEPENDENT BUSINESS ALLIANCE, founded in 2001, is a micro nonprofit in the Community Improvement sector that reported $61K in total revenue in fiscal year 2023. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $78K exceeded revenue, resulting in a 28% operating deficit.

Mission

AMIBA STRENGTHENS INDEPENDENT BUSINESSES,EMPOWERS RESIDENTS, AND REFOCUSES GOVERNMENT TO BUILD BETTER LOCAL BUSINESS, MORE INCLUSIVE, THRIVING LOCAL ECONOMIES.

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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 $50,667

Program Service Revenue $10,450

Investment Income $0

Other Revenue $0

TOTAL REVENUE $61,117

Expense Breakdown

Grants Paid $10,450

Salaries & Benefits $53,870

Fundraising Expenses $65

Program Expenses $12,280

Other Expenses $13,679

TOTAL EXPENSES $77,999

Year-over-Year Comparison

	2023	2022	Change
Revenue	$61,117	$248,743	-0.8%
Expenses	$77,999	$283,752	-0.7%
Net Income	$-16,882	$-35,009	-0.5%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAURY HAMMEL	PRESIDENT	4.00	Officer Director	$0	$0	$0
DEREK PEEBLES	TREASURER	4.00	Officer Director	$0	$0	$0
TOM LOWENBURG	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHLEEN ROARK	BOARD MEMBER	1.00	Director	$0	$0	$0
KAREN SPILLER	BOARD MEMBER	1.00	Director	$0	$0	$0
THEODORA SKEADAS	SECRETARY	2.00	Officer Director	$0	$0	$0
MICHAEL SHUMAN	BOARD MEMBER	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	$61,117	$77,999	$20,871	$-16,882
2022	$248,743	$283,752	$39,529	$-35,009
2021	$333,554	$393,907	$93,346	$-60,353
2020	$531,948	$415,033	$167,966	$116,915

AMERICAN INDEPENDENT BUSINESS ALLIANCE