MORTGAGE BANKERS ASSOCIATION OF AR

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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

1987

Legal Domicile

Principal Officer

KRISTINE BRANON

Phone

9013216756

Tax Period

2024-01-01 to 2024-12-31

MORTGAGE BANKERS ASSOCIATION OF AR, founded in 1987, is a small nonprofit that reported $104K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $137K exceeded revenue, resulting in a 32% operating deficit.

Mission

TO PROMOTE MORTGAGE BANKING IN ARKANSAS

Program Service Accomplishments

Program 1

Expenses: $132,981

CONFERENCE AND MEETINGS ARE HELD TO DISCUSS ISSUES RELEVANT TO THE MORTGAGE BANKING INDUSTRY IN ARKANSAS AND TO DISCOVER WAYS TO PROMOTE THE INDUSTRY.

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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 $33,083

Program Service Revenue $67,023

Investment Income $986

Other Revenue $3,056

TOTAL REVENUE $104,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $132,981

Other Expenses $137,176

TOTAL EXPENSES $137,176

Year-over-Year Comparison

	2024	2023	Change
Revenue	$104,148	$89,533	+0.2%
Expenses	$137,176	$131,944	+0.0%
Net Income	$-33,028	$-42,411	-0.2%

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
CHRISTY BEAGLE	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTINE BENSON	GOVERNOR	N/A	Director	$0	$0	$0
KRISTINE BRANON	PRESIDENT	N/A	Officer Director	$0	$0	$0
SOOKY BRIGANCE	DIRECTOR	N/A	Director	$0	$0	$0
GINGER BURTON	AFFILIATE DI	N/A	Director	$0	$0	$0
ERICA BYRNE	PAST PRESIDE	N/A	Officer Director	$0	$0	$0
CAITLIN GUERRA	VP OF MANAGE	N/A	Officer Director	$0	$0	$0
KEITH LITTLE	GOVERNOR	N/A	Director	$0	$0	$0
OMAR MEJIA	DIRECTOR	N/A	Director	$0	$0	$0
ISSAC MORALES	SECRETARY/TR	N/A	Officer Director	$0	$0	$0
DAVID NORRIS	DIRECTOR	N/A	Director	$0	$0	$0
JENNIFER SCARBROUGH	DIRECTOR	N/A	Director	$0	$0	$0
DREW STONER	DIRECTOR	N/A	Director	$0	$0	$0
SCOTT TODD	GOVERNOR	N/A	Director	$0	$0	$0
BRANDSON WEBB	DIRECTOR	N/A	Director	$0	$0	$0
TODD WHITE	GOVERNOR	N/A	Director	$0	$0	$0
THOMAS WILLIAMS	DIRECTOR	N/A	Director	$0	$0	$0
TERY YOUNG	VICE PRESIDE	N/A	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	$104,148	$137,176	$45,918	$-33,028
2023	$89,533	$131,944	$77,046	$-42,411
2022	$121,085	$111,893	$120,825	$9,192
2021	$110,011	$74,410	$110,265	$35,601
2020	$25,575	$54,452	$75,164	$-28,877