WESTERN MORTGAGEE ADVISORY COUNCIL

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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

2006

Principal Officer

HARVEST PEERMAN

Phone

9727352810

Tax Period

2022-01-01 to 2022-12-31

WESTERN MORTGAGEE ADVISORY COUNCIL, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $243K in total revenue in fiscal year 2022. Revenue surged 1159% from the prior year, signaling strong growth momentum. The organization ran a surplus of $103K, a strong 42% operating margin.

Mission

TO PROVIDE A FORUM FOR REAL ESTATE PROFESSIONALS TO MEET AND ADDRESS CURRENT ISSUES WITHIN THE PROFESSION.

Program Service Accomplishments

Program 1

Expenses: $135,698

HOSTED EVENTS FOR MEMBERS ALLOWING THEM TO DISCUSS CURRENT ISSUES WITHIN THE PROFESSION.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $242,778

Investment Income $17

Other Revenue $0

TOTAL REVENUE $242,795

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $135,698

Other Expenses $139,968

TOTAL EXPENSES $139,968

Year-over-Year Comparison

	2022	2021	Change
Revenue	$242,795	$19,287	+11.6%
Expenses	$139,968	$14,333	+8.8%
Net Income	$102,827	$4,954	+19.8%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLY KLOBETANZ	BOARD MEMBER	N/A	Director	$0	$0	$0
QUINN NAKANO	BOARD MEMBER	N/A	Director	$0	$0	$0
HARVEST PEERMAN	TREASURER	N/A	Director	$0	$0	$0
KELLY SCHARLEMANN	BOARD MEMBER	N/A	Director	$0	$0	$0
MIKEL UGARTE	BOARD MEMBER	N/A	Director	$0	$0	$0
RAELEE JONES	VP	N/A	Officer	$0	$0	$0
RIAHNA PHILLIPS	SECRETARY	N/A	Officer	$0	$0	$0
FORTY SEMADENI	PAST TREASUR	N/A	Officer	$0	$0	$0
TERRY WELLMAN	PRESIDENT	N/A	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	No data	No data	No data	No data
2022	$242,795	$139,968	$245,353	$102,827
2019	$207,684	$238,403	$121,841	$-30,719