YEMENI AMERICAN MERCHANT ASSOCIATION INC (EIN 823539502) - 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

2018

Legal Domicile

Principal Officer

ABDUL MUBAREZ

Phone

7182130030

Tax Period

2021-07-01 to 2022-06-30

YEMENI AMERICAN MERCHANT ASSOCIATION INC, founded in 2018, is a community nonprofit in the Education sector that reported $2.0M in total revenue in fiscal year 2021. Revenue surged 298% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 54% operating margin.

Mission

THE YEMENI AMERICAN MERCHANTS ASSOCIATION (YAMA) SEEKS TO EDUCATE AND ELEVATE YEMENI-AMERICAN MERCHANTS AND THEIR FAMILIES THROUGH EDUCATION, CIVIL RIGHTS ADVOCACY, BUSINESS AND SOCIAL SERVICE SUPPORT.

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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 $1,950,525

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,950,525

Expense Breakdown

Grants Paid $8,025

Salaries & Benefits $524,192

Fundraising Expenses $8,277

Program Expenses $795,280

Other Expenses $373,090

TOTAL EXPENSES $905,307

Year-over-Year Comparison

	2021	2020	Change
Revenue	$1,950,525	$490,166	+3.0%
Expenses	$905,307	$548,042	+0.7%
Net Income	$1,045,218	$-57,876	-19.1%

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

$65,385

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ABDUL MUBAREZ	DIRECTOR/PRESIDENT	2.00	Officer Director	$0	$0	$0
SALEH HASSAN	DIRECTOR/TREASURER	3.00	Officer Director	$0	$0	$0
DR DEBBIE ALMONTASER	DIRECTOR/SECRETARY	25.00	Officer Director	$0	$0	$0
ABDULKANI BAHAIBAH	DIRECTOR	10.00	Director	$0	$0	$0
NAJI ALMONTASER	DIRECTOR	5.00	Director	$0	$0	$0
ZAID NAJI	DIRECTOR/VICE CHAIR	2.00	Officer Director	$0	$0	$0
ABEER ALHARAZI	DEPUTY DIRECTOR	40.00	Officer	$65,385	$0	$65,385

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
2022	$1,950,525	$905,307	$1,338,394	$1,045,218
2022	$1,366,543	$903,842	$1,351,528	$462,701
2021	$494,166	$548,020	$247,515	$-53,854
2020	$604,064	$402,967	$363,817	$201,097
2019	$274,732	$236,380	$69,276	$38,352

YEMENI AMERICAN MERCHANT ASSOCIATION INC