MOUNTAIN WEST SMALL BUSINESS FINANCE (EIN 942741608) - 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

1980

Legal Domicile

Principal Officer

SPENCER DAVIS

Phone

8014123775

Tax Period

2024-10-01 to 2025-09-30

MOUNTAIN WEST SMALL BUSINESS FINANCE, founded in 1980, is a mid-sized nonprofit that reported $11.8M in total revenue in fiscal year 2024. The organization ran a surplus of $2.6M, a strong 22% operating margin.

Mission

TO FURTHER ECONOMIC DEVELOPMENT BY PROMOTING AND ASSISTING THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS.

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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 $0

Program Service Revenue $11,612,906

Investment Income $140,006

Other Revenue $0

TOTAL REVENUE $11,752,912

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,820,676

Fundraising Expenses $0

Program Expenses $7,768,148

Other Expenses $2,301,021

TOTAL EXPENSES $9,121,697

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,752,912	$10,948,817	+0.1%
Expenses	$9,121,697	$8,339,332	+0.1%
Net Income	$2,631,215	$2,609,485	+0.0%

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

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

$2,634,711

Total Directors

$264,901

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN D EVANS	FORMER PRESI	40.00	Officer	$357,814	$0	$357,814
DANIEL MANGUM	PRESIDENT AN	40.00	Officer	$311,492	$0	$311,492
SPENCER DAVIS	CEO	40.00	Officer Director	$264,901	$0	$264,901
JUDSON BLAKESLEY	VP LOAN OFFI	40.00	Officer	$251,812	$0	$251,812
ROBERT EDMINISTER	SR. VICE PRE	40.00	Officer	$186,605	$0	$186,605
CURTIS SINGLETON	VP LOAN OFFI	40.00	Officer	$180,009	$0	$180,009
JEFFREY VANCHIERE	VP LOAN OFFI	40.00	Officer	$179,428	$0	$179,428
TYLER HEALEY	VP LOAN OFFI	40.00	Officer	$176,605	$0	$176,605
BLAKE BECK	VP LOAN OFFI	40.00	Officer	$160,702	$0	$160,702
KIMBERLY HOLLEY	VP LOAN OFFI	40.00	Officer	$154,863	$0	$154,863
ZIANIBETH SHATTUCK-OWEN	VP HUMAN RES	40.00	Officer	$119,150	$0	$119,150
MARYANN GERBER	VP BUDGET/FI	40.00	Officer	$109,870	$0	$109,870
KAY WARD	VP CLOSING M	40.00	Officer	$92,330	$0	$92,330
HOLLIE OSWALD-BOSS	VP SERVICING	40.00	Officer	$89,130	$0	$89,130
TREVOR ANDERSEN	DIRECTOR	2.00	Director	$0	$0	$0
CLINT BUYS	DIRECTOR	2.00	Director	$0	$0	$0
RUSS COWLEY	DIRECTOR	2.00	Director	$0	$0	$0
LAUREN FARNSWORTH	DIRECTOR	2.00	Director	$0	$0	$0
HOLLY GALBRAITH	DIRECTOR	2.00	Director	$0	$0	$0
SHELLY JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
CLARE LEISHMAN	DIRECTOR	2.00	Director	$0	$0	$0
KEN POULSEN	DIRECTOR	2.00	Director	$0	$0	$0
KELER SOFFE	DIRECTOR	2.00	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
2025	$11,752,912	$9,121,697	$16,568,590	$2,631,215
2024	$10,948,817	$8,339,332	$14,174,209	$2,609,485
2023	$8,931,780	$7,196,179	$11,905,717	$1,735,601
2022	$7,876,705	$7,013,577	$11,137,576	$863,128
2021	$8,794,556	$6,093,412	$8,796,191	$2,701,144
2020	$7,330,667	$6,801,737	$7,276,636	$528,930
2019	$6,204,177	$6,120,891	$5,349,315	$83,286
2018	$5,985,387	$6,132,241	$5,407,813	$-146,854

MOUNTAIN WEST SMALL BUSINESS FINANCE