NORTHWEST MONTANA COMMUNITY LAND T… - Form 990 Financial Data

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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

MITCHELL MCKINLEY

Phone

4062618831

Tax Period

2025-01-01 to 2025-12-31

NORTHWEST MONTANA COMMUNITY LAND TRUST INC, founded in 2009, is a small nonprofit in the Housing & Shelter sector that reported $469K in total revenue in fiscal year 2025. Revenue fell 55% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $305K, a strong 65% operating margin.

Mission

PROVIDE PERMANENTLY AFFORDABLE HOMEOWNERSHIP OPPORTUNITIES FOR LOW- AND MODERATE-INCOME FAMILIES IN THE FLATHEAD VALLEY AND NW MONTANA.

Program Service Accomplishments

Program 1

Expenses: $43,307 Revenue: $18,050

PROVIDE OPPORTUNITIES FOR LOW AND MODERATE INCOME RESIDENTS OF NORTHWEST MONTANA TO SECURE DECENT AND AFFORDABLE HOUSING THAT IS KEPT AFFORDABLE ON A LONG-TERM BASIS.

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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 $411,490

Program Service Revenue $18,050

Investment Income $0

Other Revenue $39,790

TOTAL REVENUE $469,330

Expense Breakdown

Grants Paid $14,000

Salaries & Benefits $96,263

Fundraising Expenses $0

Program Expenses $43,307

Other Expenses $54,195

TOTAL EXPENSES $164,458

Year-over-Year Comparison

	2025	2024	Change
Revenue	$469,330	$1,034,526	-0.5%
Expenses	$164,458	$119,209	+0.4%
Net Income	$304,872	$915,317	-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

Volunteers

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

$78,291

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIM MORISAKI	Executive Dir.	40.00	Officer	$78,291	$0	$78,291
MITCHELL MCKINLEY	President	0.00	Officer Director	$0	$0	$0
SHARRY DEVALL	Board Member	0.00	Director	$0	$0	$0
ERICA WIRTALA	Board Member	0.00	Director	$0	$0	$0
CHUCK HUBBARD	BOARD MEMBER	0.00	Director	$0	$0	$0
BEN TURCEA	BOARD MEMBER	0.00	Director	$0	$0	$0
AUSTIN WILLIS	Vice President	0.00	Officer Director	$0	$0	$0
CAMBRIA HIDALGO	Secretary	0.00	Officer Director	$0	$0	$0
KIM LYNCH	BOARD MEMBER	0.00	Director	$0	$0	$0
PJ SORENSEN	BOARD MEMBER	0.00	Director	$0	$0	$0
NAOMI VALENTINE	BOARD MEMBER	0.00	Director	$0	$0	$0
MIKE BRODIE	BOARD MEMBER	0.00	Director	$0	$0	$0
PERRI BLANEY	Treasurer	0.00	Officer 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
2025	$469,330	$164,458	$3,481,551	$304,872
2024	$1,034,526	$119,209	$3,177,059	$915,317
2023	$536,223	$138,523	$2,429,951	$397,700
2022	$406,210	$411,250	$1,886,611	$-5,040
2021	$593,359	$559,066	$1,886,532	$34,293
2020	$316,336	$281,399	$2,018,120	$34,937
2019	$353,212	$446,020	$2,035,863	$-92,808
2018	$525,019	$519,920	$2,226,619	$5,099

NORTHWEST MONTANA COMMUNITY LAND TRUST INC