OREGON BANKERS ASSOCIATION (EIN 930241680) - 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

1905

Legal Domicile

Principal Officer

SCOTT BRUUN

Phone

5035813522

Tax Period

2023-01-01 to 2023-12-31

OREGON BANKERS ASSOCIATION, founded in 1905, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2023.

Mission

THE OREGON BANKERS ASSOCIATION ADVOCATES ON BEHALF OF BANKS DOING BUSINESS IN THE STATE OF OREGON.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,123,936

Investment Income $110,494

Other Revenue $83,445

TOTAL REVENUE $2,317,875

Expense Breakdown

Grants Paid $3,925

Salaries & Benefits $1,218,235

Fundraising Expenses $0

Other Expenses $1,029,082

TOTAL EXPENSES $2,251,242

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,317,875	$2,290,377	+0.0%
Expenses	$2,251,242	$2,197,279	+0.0%
Net Income	$66,633	$93,098	-0.3%

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

617

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

$657,721

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
R SHANE CORREA	SECRETARY - TREASURER	0.50	Officer Director	$0	$0	$0
JOAN REUKAUF	IMMEDIATE PAST CHAIR	0.50	Officer Director	$0	$0	$0
TED B AUSTIN	CHAIR	0.50	Officer Director	$0	$0	$0
RYAN DEMPSTER	CHAIR-ELECT	0.50	Officer Director	$0	$0	$0
KATE SALYERS	CHAIR, CBO	0.50	Director	$0	$0	$0
TREY MAUST	CHAIR, SBAI	0.50	Director	$0	$0	$0
GORDON ZIMMERMAN	DIRECTOR	0.50	Director	$0	$0	$0
JEFFREY D SUMPTER	DIRECTOR	0.50	Director	$0	$0	$0
RON GREEN	DIRECTOR	0.50	Director	$0	$0	$0
JASON WESSLING	DIRECTOR	0.50	Director	$0	$0	$0
CHRIS MERRYWELL	DIRECTOR	0.50	Director	$0	$0	$0
DENISE PORTMANN	DIRECTOR	0.50	Director	$0	$0	$0
JEFF DEUEL	DIRECTOR	0.50	Director	$0	$0	$0
JEFF LANG	DIRECTOR	0.50	Director	$0	$0	$0
JOSHUA LYONS	DIRECTOR	0.50	Director	$0	$0	$0
TAWNIE NELSON	DIRECTOR (THRU 11/2023)	0.50	Director	$0	$0	$0
THOMAS MORAN	DIRECTOR	0.50	Director	$0	$0	$0
TRACY CURTIS	DIRECTOR	0.50	Director	$0	$0	$0
JEFF BAILEY	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT HARDING	DIRECTOR (THRU 6/2023)	0.50	Director	$0	$0	$0
LINDA NAVARRO	PRESIDENT / CEO	28.00	Officer	$356,264	$87,107	$443,371
LORI KALIHER	SVP / CHIEF OPERATING OFFI	28.00	Officer	$174,269	$40,081	$214,350
KEVIN T CHRISTIANSEN	VP-GOVERNMENT AFFAIRS DIRE	40.00	Highest	$129,434	$23,480	$152,914
ANDREA ROSE	SVP - MARKETING & COMM	8.00	Highest	$117,769	$17,774	$135,543

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
2023	$2,317,875	$2,251,242	$6,249,192	$66,633
2022	$2,290,377	$2,197,279	$6,084,242	$93,098
2021	$1,572,271	$1,690,806	$5,006,787	$-118,535
2020	$2,351,046	$1,700,019	$4,910,643	$651,027
2019	$2,034,657	$1,844,994	$4,219,674	$189,663
2018	$1,962,293	$1,990,127	$3,859,381	$-27,834

OREGON BANKERS ASSOCIATION