COMMUNITY MORTGAGE LENDERS OF AMERICA INC (EIN 271392874) - 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

2009

Legal Domicile

Principal Officer

MICHAEL JONES

Phone

3142927933

Tax Period

2021-01-01 to 2021-12-31

COMMUNITY MORTGAGE LENDERS OF AMERICA INC, founded in 2009, is a small nonprofit that reported $216K in total revenue in fiscal year 2021. The organization ran a surplus of $33K, a strong 15% operating margin.

Mission

TO PROVIDE COMMUNITY MORTGAGE LENDERS WITH TIMELY AND ACCURATE INFORMATION ON CHANGING REGULATORY REQUIREMENTS AND TO ENSURE THAT COMMUNITY MORTGAGE LENDERS HAVE A VOICE IN WASHINGTON REGARDING HOW THE INDUSTRY IS REGULATED.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $216,333

Investment Income $0

Other Revenue $0

TOTAL REVENUE $216,333

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $160,848

Other Expenses $183,580

TOTAL EXPENSES $183,580

Year-over-Year Comparison

	2021	2020	Change
Revenue	$216,333	$226,467	0.0%
Expenses	$183,580	$191,725	0.0%
Net Income	$32,753	$34,742	-0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARRY BELL	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW CLARKE	DIRECTOR	1.00	Director	$0	$0	$0
KIM CURTIS	IMMEDIATE PA	1.00	Officer Director	$0	$0	$0
WESLEY T HUNT	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL JONES	CHAIR ELECT	1.00	Officer Director	$0	$0	$0
BRAD LIVINGSTON	DIRECTOR	1.00	Director	$0	$0	$0
PAULINA MCGRATH	PAST CHAIR	1.00	Director	$0	$0	$0
SEAN O'NEILL	PAST CHAIR	1.00	Director	$0	$0	$0
BROOKE ANDERSON TOMPKINS	PAST CHAIR	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
2021	$216,333	$183,580	$174,608	$32,753
2020	$226,467	$191,725	$128,725	$34,742
2019	$260,717	$287,309	$120,426	$-26,592
2018	$271,349	$268,488	$166,451	$2,861

COMMUNITY MORTGAGE LENDERS OF AMERICA INC