MAL 46 (EIN 922749218) - 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

2023

Principal Officer

TO KYONG KYONG

Tax Period

2024-01-01 to 2024-12-31

MAL 46, founded in 2023, is a small nonprofit in the Education sector that reported $123K in total revenue in fiscal year 2024. The organization ran a surplus of $31K, a strong 25% operating margin.

Mission

OUR MISSION IS TO PROVIDE SUPPORT AND RESOURCES TO MISSIONARIES SERVING ABROAD. THIS INCLUDES OFFERING FINANCIAL ASSISTANCE, EMOTIONAL ENCOURAGEMENT, A NETWORK OF CARE TO ENSURE THE MISSIONARIES' SPIRITUAL, EMOTIONAL, AND PHYSICAL WELL-BEING. THE ORGANIZATION IS COMMITTED TO ENABLE MISSIONARIES TO CARRY OUT THEIR WORK IN GLOBAL COMMUNITIES, SPREADING HOPE, FAITH, AND LOVE. THROUGH PARTNERSHIPS AND VARIOUS SUPPORT INITIATIVES, THE ORGANIZATION AIMS TO STRENGTHEN THE MISSIONARIES' EFFORTS, SUSTAIN THEIR WORK, AND PROVIDE THE NECESSARY RESOURCES FOR A LASTING AND MEANINGFUL IMPACT.

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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 $123,400

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $123,400

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,805

Fundraising Expenses $0

Program Expenses $92,681

Other Expenses $16,876

TOTAL EXPENSES $92,681

Year-over-Year Comparison

	2024	2023	Change
Revenue	$123,400	N/A	N/A
Expenses	$92,681	N/A	N/A
Net Income	$30,719	N/A	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

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

$70,000

Total Directors

$70,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TO KYONG KYONG	PRESIDENT	40.00	Officer Director	$70,000	$0	$70,000
LYNN ANN BENEDIX	SECRETARY	40.00	Director	$0	$0	$0
SOL KIM	TREASURER	40.00	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	$123,400	$92,681	$111,702	$30,719
2023	$79,000	$21	$78,979	$78,979

MAL 46