INTERMOUNTAIN BUSINESS LENDING (EIN 870477091) - 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

1979

Legal Domicile

Principal Officer

CARYL ERIKSSON

Phone

8016271333

Tax Period

2024-10-01 to 2025-09-30

INTERMOUNTAIN BUSINESS LENDING, founded in 1979, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2024. Expenses of $3.3M left a modest 5% surplus.

Mission

THE ORGANIZATION MEETS WITH STATE AGENCIES, LOCAL BANKERS,COMMUNITY ORGANIZATIONS, AND LOCAL BUSINESS PEOPLE TO PROMOTE AND PROVIDE SERVICE TO BUSINESSES THAT QUALIFY FOR THE SMALL ADMIN 504 LOAN PROGRAM. ORIGINATED AND SERVICES 504 LOANS TO SMALL BUSINESSES IN UTAH.

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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 $0

Program Service Revenue $3,378,100

Investment Income $47,623

Other Revenue $2,418

TOTAL REVENUE $3,428,141

Expense Breakdown

Grants Paid $26,437

Salaries & Benefits $2,144,586

Fundraising Expenses $0

Program Expenses $3,250,360

Other Expenses $1,079,337

TOTAL EXPENSES $3,250,360

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,428,141	$3,331,186	+0.0%
Expenses	$3,250,360	$3,350,269	0.0%
Net Income	$177,781	$-19,083	-10.3%

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

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

$205,804

Total Directors

$205,804

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT RICHARDS	EMPLOYEE	40.00		$336,260	$0	$336,260
CARYL ERIKSSON	President & CEO	43.00	Officer Director	$205,804	$0	$205,804
KALIA CLARK	EMPLOYEE	40.00		$178,112	$0	$178,112
MIKEL BOWMAN	EMPLOYEE	40.00		$170,582	$0	$170,582
CHASE JUSTIN CARVER	EMPLOYEE	40.00		$162,551	$0	$162,551
NICHOLAS ADAM WHITE	EMPLOYEE	40.00		$100,228	$0	$100,228
MILISA WOLFLEY	BOARD MEMBER	0.00	Director	$0	$0	$0
CARRIE BROUGH	BOARD MEMBER	0.00	Director	$0	$0	$0
RUSSELL FULLMER	BOARD MEMBER	0.00	Director	$0	$0	$0
BRANDON STODDARD	BOARD MEMBER	0.00	Director	$0	$0	$0
JOE TRUNZO	BOARD MEMBER	0.00	Director	$0	$0	$0
KERRY WAHLEN	BOARD MEMBER	0.00	Director	$0	$0	$0
JAY THOMPSON	VICE CHAIR	0.00	Officer	$0	$0	$0
MICHAEL POLL	Treasurer	0.00	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
2025	$3,428,141	$3,250,360	$3,388,977	$177,781
2024	$3,331,186	$3,350,269	$2,980,702	$-19,083
2023	$2,629,750	$2,999,359	$2,892,245	$-369,609
2022	$3,200,082	$3,017,537	$3,055,296	$182,545
2021	$2,396,091	$2,478,136	$3,340,647	$-82,045
2020	$2,648,387	$2,325,288	$2,629,409	$323,099
2019	$2,416,751	$2,205,644	$2,396,669	$211,107

INTERMOUNTAIN BUSINESS LENDING