MONEY TRANSMITTER REGULATORS ASSOC

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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

KARYN TIERNEY J D

Phone

7175455857

Tax Period

2025-01-01 to 2025-12-31

MONEY TRANSMITTER REGULATORS ASSOC, founded in 1989, is a small nonprofit that reported $589K in total revenue in fiscal year 2025.

Mission

DEDICATED TO THE EFFECTIVE AND EFFICIENT REGULATION OF THE MONEY TRANSMISSION INDUSTRY IN THE UNITED STATES OF AMERICA.

Program Service Accomplishments

Program 1

Expenses: $506,170 Revenue: $581,716

MTRA ADVANCES UNIFORM EXAMINATION STANDARDS, REPORTS, FORMS AND RATINGS THAT ARE CRUCIAL IN PROVIDING VALUE FOR BOTH THE MEMBERSHIP AND THE INDUSTRY; PROMOTES A MORE EFFICIENT AND LESS BURDENSOME...

MTRA ADVANCES UNIFORM EXAMINATION STANDARDS, REPORTS, FORMS AND RATINGS THAT ARE CRUCIAL IN PROVIDING VALUE FOR BOTH THE MEMBERSHIP AND THE INDUSTRY; PROMOTES A MORE EFFICIENT AND LESS BURDENSOME STATE REGULATORY SYSTEM THAT HAS UNIVERSAL RESPECT AND CREDIBILITY; PROVIDES QUALITY EDUCATIONAL OPPORTUNITIES AND CERTIFICATION FOR PARTICIPANTS THROUGH A WELL DEFINED CURRICULUM; COLLECTS AND DISSEMINATES RELIABLE INDUSTRY SPECIFIC DATA, COMMON ANALYTICAL STANDARDS AND BEST PRACTICES; SERVES AS THE AUTHORITY AND RESOURCE ON MONEY TRANSMISSION ISSUES ON A NATIONAL SCALE; AND, PARTNERS WITH STATE AND FEDERAL AUTHORITIES TO FURTHER EFFORTS IN THE DETECTION AND ELIMINATION OF ILLEGAL ACTIVITIES INCLUDING TERRORIST FINANCING.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $581,716

Investment Income $7,638

Other Revenue $0

TOTAL REVENUE $589,354

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $506,170

Other Expenses $571,768

TOTAL EXPENSES $571,768

Year-over-Year Comparison

	2025	2024	Change
Revenue	$589,354	$564,038	+0.0%
Expenses	$571,768	$571,146	+0.0%
Net Income	$17,586	$-7,108	-3.5%

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
KARYN TIERNEY J D	PRESIDENT	8.00	Officer Director	$0	$0	$0
RYAN SEALS	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
STEPHANIE R WHITE	SECRETARY	1.00	Officer Director	$0	$0	$0
KIRSTEN ANDERSON	TREASURER	1.00	Officer Director	$0	$0	$0
MARK HASTIE	DIRECTOR	1.00	Director	$0	$0	$0
ETHAN MCLAUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER POPE	DIRECTOR	1.00	Director	$0	$0	$0
RICK ST ONGE	DIRECTOR	1.00	Director	$0	$0	$0
JESUS SAUCILLO	DIRECTOR	2.00	Director	$0	$0	$0
INGRID WHITE	DIRECTOR	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	$589,354	$571,768	$324,308	$17,586
2024	$564,038	$571,146	$306,722	$-7,108
2023	$484,773	$466,796	$313,830	$17,977
2022	$360,741	$432,540	$300,653	$-71,799
2021	$123,997	$75,068	$367,652	$48,929
2020	$41,391	$80,679	$320,879	$-39,288
2019	$370,042	$375,697	$359,567	$-5,655
2018	$338,982	$363,019	$364,487	$-24,037