BMA INC (EIN 931174394) - 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

1996

Legal Domicile

Principal Officer

MARGARET SALAZAR

Phone

5032310682

Tax Period

2024-01-01 to 2024-12-31

BMA INC, founded in 1996, is a small nonprofit in the Housing & Shelter sector that reported $211K in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $233K exceeded revenue, resulting in a 10% operating deficit.

Mission

TO ACQUIRE AND OPERATE A 20-UNIT APARTMENT COMPLEX FOR LOWER-INCOME FAMILIES AND INDIVIDUALS

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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 $136,219

Program Service Revenue $65,395

Investment Income $9,773

Other Revenue $0

TOTAL REVENUE $211,387

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $207,817

Other Expenses $232,690

TOTAL EXPENSES $232,690

Year-over-Year Comparison

	2024	2023	Change
Revenue	$211,387	$174,562	+0.2%
Expenses	$232,690	$217,089	+0.1%
Net Income	$-21,303	$-42,527	-0.5%

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

$478,491

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JILL LAM	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
TEJAN CONTEH	VICE CHAIR	1.00	Officer Director	$0	$0	$0
PAUL CUMMINGS	TREASURER	1.00	Officer Director	$0	$0	$0
JAMIE BECKLAND	SECRETARY	1.00	Officer Director	$0	$0	$0
ALMA FLORES	BOARD MEMBER	1.00	Director	$0	$0	$0
CELIA SMOOT	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTOPHER SOHLER	BOARD MEMBER	1.00	Director	$0	$0	$0
EDWARD KNIGHTLY	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM LODWICK	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN CARDENAS	BOARD MEMBER	1.00	Director	$0	$0	$0
SAMUEL STUCKEY	BOARD MEMBER	1.00	Director	$0	$0	$0
SEAN EDWARDS	BOARD MEMBER	1.00	Director	$0	$0	$0
TEKLE BUSHEN	CHIEF FINANCIAL OFFICER	1.00	Officer	$0	$20,473	$214,134
MARGARET SALAZAR	PRESIDENT & CEO	1.00	Officer	$0	$45,693	$264,357

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	$211,387	$232,690	$788,182	$-21,303
2023	$174,562	$217,089	$790,819	$-42,527
2022	$199,018	$180,293	$814,806	$18,725
2021	$200,279	$165,795	$785,107	$34,484
2020	$178,871	$163,266	$745,849	$15,605
2019	$173,322	$165,880	$733,087	$7,442
2018	$173,270	$145,669	$737,021	$27,601

BMA INC