MVILLAGE

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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

Legal Domicile

Principal Officer

DEBRA CROSS

Phone

6164582651

Tax Period

2025-01-01 to 2025-12-31

MVILLAGE, founded in 2023, is a small nonprofit in the Human Services sector that reported $199K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $69K, a strong 35% operating margin.

Mission

MVILLAGE ASSISTS UNDER-REPRESENTED COMMUNITIES IN BRIDGING THE ACCESS GAP TO AFFORDABLE RESIDENCY AND ESSENTIAL RESOURCES. WE EMPOWER INDIVIDUALS AND FAMILIES THROUGH ADVOCACY POINTS FOCUSING ON RESIDENCY, TRANSPORTATION, EDUCATION AND INTERACTIVE SESSIONS TO ENSURE SUCCESS.

Program Service Accomplishments

Program 1

Expenses: $106,091

MVILLAGE TRANSFORMED VISION INTO TANGIBLE IMPACT FOR FAMILIES ACROSS GRAND RAPIDS 49507 COMMUNITY. THE GRANT FUNDS SUPPORTED COMMUNITY ENGAGEMENT, PRODUCT DISTRIBUTION, STAFF DEVELOPMENT...

MVILLAGE TRANSFORMED VISION INTO TANGIBLE IMPACT FOR FAMILIES ACROSS GRAND RAPIDS 49507 COMMUNITY. THE GRANT FUNDS SUPPORTED COMMUNITY ENGAGEMENT, PRODUCT DISTRIBUTION, STAFF DEVELOPMENT, ENTREPRENEURIAL SKILL-BUILDING, AND CAPITAL IMPROVEMENTS. THE RESOURCES HAVE ENABLED PROGRAMS SUCH AS THE COMMUNITY ESSENTIALS PANTRY AND COMMUNITY CARE CLOSET, PROVIDING RESIDENTS WITH ESSENTIAL GOODS, CLOTHING AND HOUSEHOLD ITEMS WITH DIGNITY AND CARE. GRANTS ALSO SUSTAIN LEADERSHIP CAPACITY AND ADVANCE ECONOMIC EMPOWERMENT INITIATIVES, INCLUDING BUILD A BRAND WORKSHOPS AND JOB FAIRS, EQUIPPING COMMUNITIES WITH TOOLS FOR FINANCIAL STABILITY AND INDEPENDENCE.

Program 2

THE ORGANIZATION INVESTED IN STRENGTHENING ITS BOARD GOVERNANCE BY PROVIDING TRAINING, STRATEGIC PLANNING SUPPORT, AND LEADERSHIP DEVELOPMENT RESOURCES. THESE EFFORTS HELP ENSURE STRONG OVERSIGHT...

THE ORGANIZATION INVESTED IN STRENGTHENING ITS BOARD GOVERNANCE BY PROVIDING TRAINING, STRATEGIC PLANNING SUPPORT, AND LEADERSHIP DEVELOPMENT RESOURCES. THESE EFFORTS HELP ENSURE STRONG OVERSIGHT, INFORMED DECISION-MAKING, AND LONG-TERM ORGANIZATIONAL SUSTAINABILITY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $197,692

Program Service Revenue $0

Investment Income $920

Other Revenue $0

TOTAL REVENUE $198,612

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,250

Fundraising Expenses $0

Program Expenses $106,091

Other Expenses $118,309

TOTAL EXPENSES $129,559

Year-over-Year Comparison

	2025	2024	Change
Revenue	$198,612	$234,677	-0.2%
Expenses	$129,559	$36,754	+2.5%
Net Income	$69,053	$197,923	-0.7%

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

$11,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBRA CROSS	PRESIDENT	10.00	Officer	$11,250	$0	$11,250
TERESA BROOKS	TREASURER	3.00	Officer	$0	$0	$0
STEVEN MCCLAIN	SECRETARY	3.00	Officer	$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
2025	$198,612	$129,559	$266,976	$69,053
2024	No data	No data	No data	No data