Multi-state User Group

Nonprofit profile at a glance

EIN
932669877
IRS 990-EZ coverage
2023–2025
Forms available
Form 990-EZ 2025
Location
Andalusia, AL, USA
Phone
6152988000
Rating confidence
Limited
Sector
Professional Societies, Associations

Reported finances

Revenue
$173,317
Expenses
$169,162
Assets
$79,166
Liabilities
$0

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

12 people listed

Executive titles in this filing

  • MARTHA BLACKBURN (PRESIDENT)
  • MICAH BEARD (VICE PRESIDENT)

People named in this filing

  • MARTHA BLACKBURN (PRESIDENT)
  • MICAH BEARD (VICE PRESIDENT)
  • CHRIS DICKENSIN (SECRETARY)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Multi-state user group (msug) is a member organization designed exclusively to educate and train common interest member banks and their employees in the highest quality hardware and software applications. The purpose of our group is to "network" with each other, and make those contacts with other banks so we can call on each other for ideas, information, etc.

What it reported doing in 2025

Multi-state user group (msug) is a member organization designed exclusively to educate and train common interest member banks and their employees in the highest quality hardware and software applications. Msug will hold annual conferences organized by officers of the organization to train its members. Conferences will include breakout sessions and showcases to educate members on the most current and advanced software and hardware applications used in the banking industry and will be a platform for 3rd party vendors to promote their products. 100 percent of the organization's time will be allocated to planning, organizing, and hosting the annual conference, providing software education to its members, developing and implementing a scholarship program, and facilitating online peer-to-peer member forums. Annual conferences will be funded by membership dues paid annually by its members as well as conference dues paid at the time of conference registration. Msug will devote 100 percent of its expenses to annual conferences (including purchasing a plaque to commemorate the president's service to the organization as well as member gifts), membership dues, provide access to conference registration, educating members, developing and implementing a scholarship program, and providing online access to peer-to-peer member forums. The annual conference furthers the organization's purpose in that it is the main platform used to support and educate members and the member forums allow members to connect on a continual basis.

Operating model

Revenue model
Earned-program. 74% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 82
  • Sustainability: 45
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: 2.4%; rating input score 38; 38th percentile among comparable filings
  • Total-asset coverage ratio: 0.47; rating input score 36; 36th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 74; 74th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 33.4% per year; rating input score 100; 91st percentile among comparable filings
  • Asset growth: -1.3% per year; rating input score 0; 22nd percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment
  • Leadership: top reported pay $0 · 12 people listed
  • Consistency: 7 of 7 current checks pass
  • Schedules: 1 filed schedules
  • Filing history: 3 filing years from 2023 to 2025
  • Contacts: How to reach this organization
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Growth: Asset growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 38/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 36/100.