MONTANA LAND TITLE ASSN FOUNDATION

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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

1995

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

MONTANA LAND TITLE ASSN FOUNDATION, founded in 1995, is a small nonprofit in the Community Improvement sector that reported $102K in total revenue in fiscal year 2021. Revenue surged 168% from the prior year, signaling strong growth momentum. The organization ran a surplus of $24K, a strong 24% operating margin.

Mission

TO SUPPORT MONTANA NONPROFIT CHARITABLE ORAGANIZATIONS, PROVIDE EDUCATION TO MEMBERS AND PROMOTE KNOWLEDGE AND AWARENESS OF THE REAL ESTATE AND TITLE INSURANCE INDUSTRIES BY THE GENERAL PUBILC.

Program Service Accomplishments

Program 1

Expenses: $35,304

Notary Journals - Easy to use Notary Journals that have a privacy protection feature for interested parties to purchase in the land title industry. These journals were developed to help land title...

Notary Journals - Easy to use Notary Journals that have a privacy protection feature for interested parties to purchase in the land title industry. These journals were developed to help land title operation comply with changes in Montana law as regards notary journals and to protect the identy of individuals who utilize a notary journal while conductin business with a land title insurer.

Program 2

Expenses: $17,652

SPRING SEMINAR - EDUCATE MEMBERS AND MAINTAIN PROFESSIONAL STANDARDS AND ETHICS.

Program 3

Expenses: $17,651

THE FOUNDATION IS PROVIDING GRANTS TO FURTHER THE EDUCATION OF TITLE INSURANCE AGENTS AS STATED IN ITS ORGANIZATION DOCUMENTS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $1,614

Program Service Revenue $33,484

Investment Income $67,156

Other Revenue $0

TOTAL REVENUE $102,254

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $70,607

Other Expenses $78,146

TOTAL EXPENSES $78,146

Year-over-Year Comparison

	2021	2020	Change
Revenue	$102,254	$38,154	+1.7%
Expenses	$78,146	$54,578	+0.4%
Net Income	$24,108	$-16,424	-2.5%

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	Role	Reportable Comp	Other Comp	Total
Mark Josephson	Director	Director	$0	$0	$0
Carol Kirby	Director	Director	$0	$0	$0
AnneMarie Wallette	Director	Director	$0	$0	$0
Janice Doggett	Education Coordinator	Director	$0	$0	$0
Jennifer Smith	Director	Director	$0	$0	$0
Bob Sewell	Vice President	Officer	$0	$0	$0
Valerie Smelser	SecretaryTreasurer	Officer	$0	$0	$0
Stuart Doggett	Executive Director	Officer	$0	$0	$0
William C Gowen Jr	President	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
2021	$102,254	$78,146	$664,645	$24,108
2020	$38,154	$54,578	$562,448	$-16,424
2019	$75,026	$58,275	$558,859	$16,751
2018	$58,371	$54,916	$456,110	$3,455