AMERICAN ASSOCIATION OF RESIDENTIAL MORTGAGE REGULATORS (EIN 521651713) - 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

1989

Legal Domicile

Principal Officer

DAVID SAUNDERS

Phone

7037825920

Tax Period

2023-01-01 to 2023-12-31

AMERICAN ASSOCIATION OF RESIDENTIAL MORTGAGE REGULATORS, founded in 1989, is a small nonprofit in the Housing & Shelter sector that reported $445K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $432K left a modest 3% surplus.

Mission

TO PROMOTE KNOWLEDGE OF RESIDENTIAL MORTGAGE REGULATIONS.

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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 $117,150

Program Service Revenue $324,359

Investment Income $3,629

Other Revenue $175

TOTAL REVENUE $445,313

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $287,800

Other Expenses $431,904

TOTAL EXPENSES $431,904

Year-over-Year Comparison

	2023	2022	Change
Revenue	$445,313	$408,062	+0.1%
Expenses	$431,904	$380,796	+0.1%
Net Income	$13,409	$27,266	-0.5%

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
KIRSTEN ANDERSON	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
ALISON KIYOTOKI	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS ROMANO	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ROD CARNES	TREASURER	1.00	Officer Director	$0	$0	$0
KAREEME TUCKER	DIRECTOR	1.00	Director	$0	$0	$0
CLIFFORD CHARLAND	PRESIDENT	1.00	Officer Director	$0	$0	$0
ELLENA MEIER	SECRETARY	1.00	Officer Director	$0	$0	$0
KEVIN CUFF	DIRECTOR	1.00	Director	$0	$0	$0
DEREK STORMS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID SAUNDERS	EXECUTIVE DIRECTOR	25.00	Officer	$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
2024	No data	No data	No data	No data
2023	$445,313	$431,904	$360,730	$13,409
2022	$408,062	$380,796	$332,270	$27,266
2021	$257,607	$267,119	$319,337	$-9,512
2020	$150,119	$125,713	$336,849	$24,406
2019	$392,531	$484,236	$345,654	$-91,705
2018	$451,562	$435,185	$510,956	$16,377

AMERICAN ASSOCIATION OF RESIDENTIAL MORTGAGE REGULATORS