USFN (EIN 330328597) - 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

1988

Legal Domicile

Principal Officer

PAMELA L DONAHOO

Phone

8177700818

Tax Period

2023-12-01 to 2024-11-30

USFN, founded in 1988, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2023. Revenue decreased 18% compared to the prior year. Expenses of $2.2M left a modest 3% surplus.

Mission

USFN serves its members and mortgage servicing professionals by providing first-in-class education, networking opportunities, publications, and industry advocacy in support of effective and efficient business operations, as well as legal and regulatory compliance.

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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 (2023)

Revenue Breakdown

Contributions & Grants $203,600

Program Service Revenue $2,041,853

Investment Income $5,638

Other Revenue $5,010

TOTAL REVENUE $2,256,101

Expense Breakdown

Grants Paid $0

Salaries & Benefits $618,795

Fundraising Expenses $0

Other Expenses $1,566,902

TOTAL EXPENSES $2,185,697

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,256,101	$2,747,468	-0.2%
Expenses	$2,185,697	$2,531,843	-0.1%
Net Income	$70,404	$215,625	-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

400

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

$243,468

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMELA L DONAHOO	CEO	40.00	Officer	$210,780	$32,688	$243,468
MELODY RICKLES	Director	2.00	Director	$0	$0	$0
ANDY SAAG	Director	2.00	Director	$0	$0	$0
ANDREW BRENNER	Director	2.00	Director	$0	$0	$0
RICHARD NIELSON	Director	2.00	Director	$0	$0	$0
JEFFREY WEISSERMAN	Director	2.00	Director	$0	$0	$0
JAMES E CLARKE	Vice President	2.00	Officer Director	$0	$0	$0
JILLIAN WILSON	Director	2.00	Director	$0	$0	$0
EDDIE JIMENEZ	Director	5.00	Director	$0	$0	$0
LANCE OLSEN	Director	2.00	Director	$0	$0	$0
CHRISTIANNA KERSEY	Director	2.00	Director	$0	$0	$0
ROY DIAZ	Director	2.00	Director	$0	$0	$0
BRIGHAM LUNDBERG	Director	2.00	Director	$0	$0	$0
SALLY E GARRISON	President	2.00	Officer Director	$0	$0	$0
JEANETTE O'DONNELL	Director	2.00	Director	$0	$0	$0
ROBERT WICHOWSKI	Secretary	2.00	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	No data	No data	No data	No data
2024	$2,256,101	$2,185,697	$1,162,205	$70,404
2023	$2,747,468	$2,531,843	$1,123,270	$215,625
2022	$1,101,499	$1,366,947	$1,564,439	$-265,448
2021	$1,160,556	$947,810	$712,064	$212,746
2020	$1,148,309	$1,004,422	$531,218	$143,887
2019	$2,090,456	$2,197,283	$479,566	$-106,827
2018	$1,712,921	$2,178,400	$485,757	$-465,479

USFN