OREGON MORTGAGE BANKERS ASSOCIATION

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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

1954

Legal Domicile

Principal Officer

CRYSTAL RUSTAD

Phone

5032236622

Tax Period

2023-01-01 to 2023-12-31

OREGON MORTGAGE BANKERS ASSOCIATION, founded in 1954, is a small nonprofit in the Community Improvement sector that reported $183K in total revenue in fiscal year 2023. Expenses of $253K exceeded revenue, resulting in a 38% operating deficit.

Mission

TO SUPPORT THE MORTGAGE BANKING INDUSTRY IN THE STATE OF OREGON THROUGH EDUCATION, NETWORKING, AND ADVOCACY

Program Service Accomplishments

Program 1

TO SUPPORT THE MORTGAGE BANKING INDUSTRY IN THE STATE OF OREGON THROUGH EDUCATION, NETWORKING, AND ADVOCACY.

Program 2

PROMOTION OF THE INDUSTRY AND LOBBYING

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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 $129,739

Investment Income $677

Other Revenue $52,516

TOTAL REVENUE $182,932

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $253,298

TOTAL EXPENSES $253,298

Year-over-Year Comparison

	2023	2022	Change
Revenue	$182,932	N/A	N/A
Expenses	$253,298	N/A	N/A
Net Income	$-70,366	N/A	N/A

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRYSTAL RUSTAD	PRESIDENT	2.00	Officer Director	$0	$0	$0
CORTNEY HALL	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
DIANNE SMITH	TREASURER/SE	2.00	Officer Director	$0	$0	$0
SEAN LAMB	PAST PRESIDE	2.00	Officer Director	$0	$0	$0
MIKAL MELE	DIRECTOR	1.00	Director	$0	$0	$0
ADAM BOOMER	DIRECTOR	1.00	Director	$0	$0	$0
AMBER STOJANOV	DIRECTOR	1.00	Director	$0	$0	$0
WITT WITTENBERG	DIRECTOR	1.00	Director	$0	$0	$0
BENJAMIN THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
STACE SCHIEFELBEIN	DIRECTOR	1.00	Director	$0	$0	$0
JOLIN WARREN	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA GARCIA	DIRECTOR	1.00	Director	$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
2023	$182,932	$253,298	$111,517	$-70,366