MONTANA FAIR HOUSING INC (EIN 810485325) - 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

1988

Legal Domicile

Principal Officer

PAM BEAN

Phone

4067822573

Tax Period

2024-01-01 to 2024-12-31

MONTANA FAIR HOUSING INC, founded in 1988, is a small nonprofit in the Housing & Shelter sector that reported $347K in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

TO ASSIST VICTIMS OF HOUSING DISCRIMINATION IN THE STATE OF MONTANA.

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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 $326,871

Program Service Revenue $20,104

Investment Income $86

Other Revenue $0

TOTAL REVENUE $347,061

Expense Breakdown

Grants Paid $0

Salaries & Benefits $267,316

Fundraising Expenses $1,556

Program Expenses $307,214

Other Expenses $91,916

TOTAL EXPENSES $359,232

Year-over-Year Comparison

	2024	2023	Change
Revenue	$347,061	$442,251	-0.2%
Expenses	$359,232	$423,353	-0.2%
Net Income	$-12,171	$18,898	-1.6%

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

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

$68,450

Key Employees

$113,710

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMELA R BEAN	EXECUTIVE DIRECTOR	45.00	Director Highest	$68,450	$0	$68,450
CHERI BESSONEN	EMPLOYEE	40.00	Key Emp	$58,792	$0	$58,792
NATHAN KARCHMER	EMPLOYEE	40.00	Key Emp	$54,918	$0	$54,918
DARRELL LAMERE	PRESIDENT	2.00	Officer	$0	$0	$0
AMY HALL	VICE-PRESIDENT	2.00	Officer	$0	$0	$0
MITZI RACINE-HEARN	SECRETARY/TREASURER	2.00	Officer	$0	$0	$0
NYOTA HALEY	AT LARGE	2.00	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	$347,061	$359,232	$39,431	$-12,171
2023	$442,251	$423,353	$50,671	$18,898
2022	$351,923	$324,609	$33,021	$27,314
2021	$329,979	$376,157	No data	$-46,178
2020	$362,826	$341,829	$50,770	$20,997
2019	$334,398	$347,680	$27,534	$-13,282
2018	$330,609	$307,475	$48,148	$23,134

MONTANA FAIR HOUSING INC