MORTGAGE BANKERS ASSOCIATION OF GA INC (EIN 510174325) - 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

1972

Legal Domicile

Phone

4787438612

Tax Period

2024-07-01 to 2025-06-30

MORTGAGE BANKERS ASSOCIATION OF GA INC, founded in 1972, is a small nonprofit that reported $334K in total revenue in fiscal year 2024.

Mission

EDUCATIONAL OPPORTUNITIES

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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 $0

Program Service Revenue $327,448

Investment Income $0

Other Revenue $6,471

TOTAL REVENUE $333,919

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $356,892

Other Expenses $356,892

TOTAL EXPENSES $356,892

Year-over-Year Comparison

	2024	2023	Change
Revenue	$333,919	N/A	N/A
Expenses	$356,892	N/A	N/A
Net Income	$-22,973	N/A	N/A

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

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
RALPH IPPOLITO	IMMEDIATE PAST PRESIDENT	0.50	Director	$0	$0	$0
SARA WHIDDON	GOVERNOR	0.50	Director	$0	$0	$0
ASHLEY ROULAINE	PRESIDENT	3.00	Officer Director	$0	$0	$0
RICK GUERRERO	FIRST VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
DAVID RAPSON	SECOND VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHELLE MISERE	SECRETARY TREASURER	1.00	Officer Director	$0	$0	$0
JOY DYESS	GOVERNOR	0.00	Director	$0	$0	$0
TIM ARRINGTON	GOVERNOR	1.00	Director	$0	$0	$0
LESLIE WATSON	GOVERNOR	1.00	Director	$0	$0	$0
CHRIS SCHOENTHAL	GOVERNOR	1.00	Director	$0	$0	$0
MICKEY SCHILLING	GOVERNOR	1.00	Director	$0	$0	$0
MORGAN GRACE	GOVERNOR	1.00	Director	$0	$0	$0
DAVID FREAS	GOVERNOR	1.00	Director	$0	$0	$0
TIFFANY MAZO	GOVERNOR	1.00	Director	$0	$0	$0
JENNIFER GROSS	GOVERNOR	1.00	Director	$0	$0	$0
DAVE MORGAN	GOVERNOR	1.00	Director	$0	$0	$0
TRACY BURDETTE	GOVERNOR	1.00	Director	$0	$0	$0
GRETCHEN JOHNSON	GOVERNOR	1.00	Director	$0	$0	$0
DENISE BAUMANN	GOVERNOR	1.00	Director	$0	$0	$0
CALLIE LATHANGUE	GOVERNOR	1.00	Director	$0	$0	$0
ASHLI MATSON	GOVERNOR	1.00	Director	$0	$0	$0
STUART GORDAN	GOVERNOR	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
2025	$333,919	$356,892	$14,797	$-22,973
2024	$341,288	$338,311	$13,367	$2,977
2023	$420,549	$425,514	$-6,452	$-4,965
2022	$471,050	$458,986	$71,728	$12,064
2021	$387,534	$421,187	$37,795	$-33,653
2020	$254,813	$272,533	$86,829	$-17,720
2019	$375,600	$370,655	$63,307	$4,945
2018	$375,095	$354,561	$42,139	$20,534

MORTGAGE BANKERS ASSOCIATION OF GA INC