MORTGAGE LENDERS ASSOCIATION OF MS D/B/A MORTGAGE BANKERS ASSOC OF MS (EIN 640754720) - 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

1954

Legal Domicile

Principal Officer

MACIE CARNEY

Phone

9013216756

Tax Period

2024-01-01 to 2024-12-31

MORTGAGE LENDERS ASSOCIATION OF MS D/B/A MORTGAGE BANKERS ASSOC OF MS, founded in 1954, is a micro nonprofit that reported $39K in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $48K exceeded revenue, resulting in a 25% operating deficit.

Mission

TRAINING AND EDUCATION OF MISSISSIPPI MORTGAGE BANKERS THROUGH MONTHLY LUNCHEONS AND AN ANNUAL CONFERENCE WITH SPEAKERS.

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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 $2,000

Program Service Revenue $19,350

Investment Income $194

Other Revenue $17,071

TOTAL REVENUE $38,615

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $46,100

TOTAL EXPENSES $48,100

Year-over-Year Comparison

	2024	2023	Change
Revenue	$38,615	$32,102	+0.2%
Expenses	$48,100	$69,174	-0.3%
Net Income	$-9,485	$-37,072	-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

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
MACIE CARNEY	PRESIDENT	4.00	Officer	$0	$0	$0
OWEN MUNTON	VICE PRESIDE	3.00	Officer	$0	$0	$0
BRYAN MILLER	SECRETARY	2.00	Officer	$0	$0	$0
ROBERT RICHARD	TREASURER	5.00	Officer	$0	$0	$0
MATT WILSON	DIRECTOR	1.00	Director	$0	$0	$0
ANDI WHITE	DIRECTOR	1.00	Director	$0	$0	$0
CASEY WILBERDING	DIRECTOR	1.00	Director	$0	$0	$0
CHARLOTTE FLOWERS	DIRECTOR	1.00	Director	$0	$0	$0
ENJOLI NOLEN	DIRECTOR	1.00	Director	$0	$0	$0
TINA LEONARD	OFFICER	1.00	Officer	$0	$0	$0
JACOB KEITH	OFFICER	1.00	Officer	$0	$0	$0
SANDY SMITH	OFFICER	1.00	Officer	$0	$0	$0
STACY WHITE	OFFICER	1.00	Officer	$0	$0	$0
BRENDA PALMER	CHAPTER OFFI	1.00	Officer Director	$0	$0	$0
SOPHIA MACK	CHAPTER OFFI	1.00	Officer Director	$0	$0	$0
MOLLIE GUESS	CHAPTER OFFI	1.00	Officer Director	$0	$0	$0
ASHLEY BROCK	CHAPTER OFFI	1.00	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	$38,615	$48,100	$16,806	$-9,485
2023	$32,102	$69,174	$34,346	$-37,072
2022	$46,148	$78,299	$61,821	$-32,151
2021	$62,902	$53,999	$93,972	$8,903

MORTGAGE LENDERS ASSOCIATION OF MS D/B/A MORTGAGE BANKERS ASSOC OF MS