MONTANA HOMEOWNERSHIP NETWORK INC (EIN 810543240) - 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

2001

Legal Domicile

Principal Officer

KAIA PETERSON

Phone

4066044500

Tax Period

2024-10-01 to 2025-09-30

MONTANA HOMEOWNERSHIP NETWORK INC, founded in 2001, is a mid-sized nonprofit in the Housing & Shelter sector that reported $13.1M in total revenue in fiscal year 2024. Revenue surged 93% from the prior year, signaling strong growth momentum. The organization ran a surplus of $8.4M, a strong 64% operating margin.

Mission

TOGETHER WE STRENGTHEN OUR COMMUNITIES BY PROVIDING EDUCATION AND FINANCING THAT GIVES EVERY MONTANAN THE OPPORTUNITY TO LIVE IN A HOME WHERE THEY CAN THRIVE.

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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 $10,930,481

Program Service Revenue $1,781,768

Investment Income $347,570

Other Revenue $0

TOTAL REVENUE $13,059,819

Expense Breakdown

Grants Paid $1,535,275

Salaries & Benefits $1,773,318

Fundraising Expenses $257,826

Program Expenses $4,009,595

Other Expenses $1,266,697

TOTAL EXPENSES $4,643,207

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,059,819	$6,761,090	+0.9%
Expenses	$4,643,207	$4,126,163	+0.1%
Net Income	$8,416,612	$2,634,927	+2.2%

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

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

$244,619

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANE PAVEK	PRESIDENT	2.00	Officer Director	$0	$0	$0
TORI MATEJOVSKY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
TOM JACOBSON	TREASURER	2.00	Officer Director	$0	$0	$0
SARA SAVAGE	SECRETARY	2.00	Officer Director	$0	$0	$0
BRUCE BRENSDAL	DIRECTOR	2.00	Director	$0	$0	$0
CHERYL COHEN	DIRECTOR (THRU 11/24)	2.00	Director	$0	$0	$0
SARA FITZGERALD	DIRECTOR	2.00	Director	$0	$0	$0
JEFF GATICA	DIRECTOR	2.00	Director	$0	$0	$0
JIM MORTON	DIRECTOR	2.00	Director	$0	$0	$0
GEORGE NIKOLAKAKOS	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER O'LOUGHLIN	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL O'NEIL	DIRECTOR	2.00	Director	$0	$0	$0
MIKE SMITH	DIRECTOR	2.00	Director	$0	$0	$0
PEGGY TRENK	DIRECTOR	2.00	Director	$0	$0	$0
KARISSA TRUJILLO	DIRECTOR	2.00	Director	$0	$0	$0
IAN ULLMAN	DIRECTOR	2.00	Director	$0	$0	$0
MARIA VALANDRA	DIRECTOR	2.00	Director	$0	$0	$0
HANNA WARHANK	DIRECTOR	2.00	Director	$0	$0	$0
DAMONA WILLIAMS	CHIEF FINANCIAL OFFICER	40.00	Officer	$93,914	$8,633	$102,547
KAIA PETERSON	EXECUTIVE DIRECTOR	40.00	Officer	$133,050	$9,022	$142,072

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	$13,059,819	$4,643,207	$90,049,103	$8,416,612
2024	$6,761,090	$4,126,163	$49,798,954	$2,634,927
2023	$7,755,830	$4,372,412	$44,101,408	$3,383,418
2022	$13,852,588	$3,609,309	$42,780,327	$10,243,279
2021	$4,000,327	$3,254,095	$31,389,696	$746,232
2020	$3,453,499	$2,934,248	$30,751,148	$519,251
2019	$3,985,348	$2,890,738	$28,210,058	$1,094,610
2018	$2,753,491	$2,372,983	$25,727,755	$380,508

MONTANA HOMEOWNERSHIP NETWORK INC