Broker Action Coalition Inc (EIN 921079593) - 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

2022

Legal Domicile

Principal Officer

Rachel Clark

Phone

2817284360

Tax Period

2024-01-01 to 2024-12-31

Broker Action Coalition Inc, founded in 2022, is a small nonprofit that reported $750K in total revenue in fiscal year 2024. Expenses of $831K exceeded revenue, resulting in a 11% operating deficit.

Mission

The Broker Action Coalition is a grassroots advocacy channel uniting mortgage brokers and their supporters to fight for broker and homebuyer rights nationwide. We fight to level the playing field between mortgage brokers and reail banks, support inclusive homebuying policy changes, and advocate for the needs of Veterans, minorities & underserved communities, making the american dream of homeownership obtainable for more people than ever before.

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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 $749,865

Program Service Revenue $0

Investment Income $0

Other Revenue $115

TOTAL REVENUE $749,980

Expense Breakdown

Grants Paid $0

Salaries & Benefits $155,503

Fundraising Expenses $54,498

Program Expenses $516,364

Other Expenses $675,940

TOTAL EXPENSES $831,443

Year-over-Year Comparison

	2024	2023	Change
Revenue	$749,980	$750,083	0.0%
Expenses	$831,443	$7,407	+111.3%
Net Income	$-81,463	$742,676	-1.1%

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

150

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

$172,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Katie Sweeney	Director/President	30.00	Director	$72,917	$0	$72,917
Brendan McKay	Chief Advocacy Officer/Secretary	30.00	Director	$72,917	$0	$72,917
Karis Koehn	Director/Treasurer	30.00	Director	$26,666	$0	$26,666

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	$749,980	$831,443	$661,213	$-81,463
2023	$750,083	$7,407	$742,676	$742,676

Broker Action Coalition Inc