ARIZONA MORTGAGE LENDERS ASSOCIATION (EIN 942811776) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1981

Legal Domicile

Phone

6234338940

Tax Period

2022-01-01 to 2022-12-31

ARIZONA MORTGAGE LENDERS ASSOCIATION, founded in 1981, is a small nonprofit that reported $264K in total revenue in fiscal year 2022.

Mission

Serve our members by providing educational opportunities, promoting legislation favorable to our industry and to homeownership, and maintaining high ethical standards. AMLA is also committed to expand homeownership opportunities for the under served residents of Arizona.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $65,055

Program Service Revenue $198,324

Investment Income $166

Other Revenue $0

TOTAL REVENUE $263,545

Expense Breakdown

Grants Paid $0

Salaries & Benefits $81,941

Fundraising Expenses $0

Program Expenses $132,404

Other Expenses $178,620

TOTAL EXPENSES $260,561

Year-over-Year Comparison

	2022	2021	Change
Revenue	$263,545	$250,670	+0.1%
Expenses	$260,561	$239,479	+0.1%
Net Income	$2,984	$11,191	-0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

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

$81,941

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBRA HILL	Executive Dir.	40.00	Officer	$73,000	$8,941	$81,941
TRACIE WAIN	MEMBER	1.00	Director	$0	$0	$0
ERIC KILSTROM	MEMBER	1.00	Director	$0	$0	$0
SHERRY OLSEN	VP - EDUCATION	3.00	Officer Director	$0	$0	$0
AMY NASH	MEMBER	1.00	Director	$0	$0	$0
JEFF EHRLICH	President	3.00	Officer Director	$0	$0	$0
SHELLY VANCE	MEMBER	1.00	Director	$0	$0	$0
NICK MONARDO	MEMBER	1.00	Director	$0	$0	$0
JEREMY WEEKS	MEMBER	1.00	Director	$0	$0	$0
KRISTY STECKER	SECRETARY/TREAS	3.00	Officer Director	$0	$0	$0
JEN TRUSO	VP - MEMBERSHIP	3.00	Officer Director	$0	$0	$0
KELLY POWERS	MEMBER	1.00	Director	$0	$0	$0
DON HAGAN	VP - ADVOCACY	3.00	Officer Director	$0	$0	$0
AUSTIN WILDE	MEMBER	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
2022	$263,545	$260,561	$166,891	$2,984
2021	$250,670	$239,479	$160,926	$11,191
2019	$302,154	$278,986	$199,145	$23,168
2018	$294,684	$274,472	$177,923	$20,212

ARIZONA MORTGAGE LENDERS ASSOCIATION