Rocky Mountain Microfinance

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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

2008

Legal Domicile

Principal Officer

Jessica Sveen

Phone

7209415037

Tax Period

2024-10-01 to 2025-09-30

Rocky Mountain Microfinance, founded in 2008, is a community nonprofit in the Community Improvement sector that reported $2.8M in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Expenses of $3.1M exceeded revenue, resulting in a 11% operating deficit.

Mission

RMMFI CREATES THE SPACE FOR COMMUNITIES AND PEOPLE OF ALL BACKGROUNDS TO REALIZE THEIR UNIQUE POTENTIAL THROUGH THE POWER OF ENTREPRENEURSHIP. RMMFI INVESTS IN ENTREPRENEURS' PERSONAL AND BUSINESS DEVELOPMENT THROUGH A PROVEN MIX OF CLASSROOM, COACHING

Program Service Accomplishments

Program 1

Expenses: $2,468,748 Revenue: $116,784

IDEA- EVERY ENTREPRENEUR'S JOURNEY STARTS WITH AN IDEA. WHETHER IN BUSINESS FOR A WHILE AND HAVEN'T SEEN THE RESULTS THEY'VE WANTED OR HAVE MULTIPLE IDEAS AND CAN'T DECIDE WHICH TO PURSUE, THE IDEA PHASE OF RMMFI'S PROGRAMMING HELPS BUILD THE FOUNDATIONS NEEDED FOR SUCCESS. INIDEA, QUALIFIED ENTREPRENEURS CAN RECEIVE: COHORT-BASED PROGRAMMING,MENTORSHIP, AND SEED CAPITAL.LAUNCH - AFTER COMPLETING THE IDEA PHASE, RMMFI INVITES QUALIFIEDENTREPRENEURS TO CONTINUE THEIR BUSINESS JOURNEY IN THE LAUNCH PHASE.JUST LIKE IT SOUNDS, LAUNCH IS ALL ABOUT HELPING GET BUSINESSES UP ANDRUNNING WITH AN ACTIONABLE PLANS AND ALL THE TOOLS AND SUPPORT THEYNEED. THE LAUNCH PHASE BEGINS WITH BUSINESS LAUNCH BOOT CAMP, A

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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 $2,625,315

Program Service Revenue $116,784

Investment Income $15,307

Other Revenue $0

TOTAL REVENUE $2,757,406

Expense Breakdown

Grants Paid $142,900

Salaries & Benefits $2,400,200

Fundraising Expenses $341,891

Program Expenses $2,468,748

Other Expenses $494,788

TOTAL EXPENSES $3,051,914

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,757,406	$3,033,774	-0.1%
Expenses	$3,051,914	$4,254,248	-0.3%
Net Income	$-294,508	$-1,220,474	-0.8%

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

118

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

$138,693

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jay Whisenton	Chair	3.00	Officer Director	$0	$0	$0
Rebecca Darling	Secretry	3.00	Officer Director	$0	$0	$0
Deanna Mettler	Treasurer	2.00	Officer Director	$0	$0	$0
Phil Workman	Member	2.00	Director	$0	$0	$0
Edgar Aguilar	Member	2.00	Director	$0	$0	$0
Vikki Fininen	Member	2.00	Director	$0	$0	$0
Noel Carter	Member	2.00	Director	$0	$0	$0
Briana Butler	Member	2.00	Director	$0	$0	$0
Svetlana Mikhaylova	Member	2.00	Director	$0	$0	$0
Jessica Sveen	CEO	50.00	Officer	$138,693	$0	$138,693
Ryan Flanders	Director	40.00	Highest	$104,062	$0	$104,062

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	$2,757,406	$3,051,914	$2,446,252	$-294,508
2024	$3,033,774	$4,254,248	$2,754,290	$-1,220,474
2023	$2,825,207	$3,443,749	$3,833,899	$-618,542
2022	$3,540,042	$2,415,939	$4,399,998	$1,124,103
2021	$2,686,015	$1,659,971	$3,248,488	$1,026,044
2020	$2,507,181	$1,505,244	$2,467,203	$1,001,937
2019	$1,371,907	$976,314	$1,196,119	$395,593
2018	$845,125	$824,772	$666,160	$20,353