CALIFORNIA MORTGAGE ASSOCIATION (EIN 943320648) - 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

1999

Legal Domicile

Phone

9162394065

Tax Period

2023-07-01 to 2024-06-30

CALIFORNIA MORTGAGE ASSOCIATION, founded in 1999, is a small nonprofit in the Community Improvement sector that reported $535K in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year. Expenses of $516K left a modest 4% surplus.

Mission

To provide education and association for like-minded businesses in California

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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 $509,571

Investment Income $14,697

Other Revenue $10,649

TOTAL REVENUE $534,917

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $515,539

TOTAL EXPENSES $515,539

Year-over-Year Comparison

	2023	2022	Change
Revenue	$534,917	$586,439	-0.1%
Expenses	$515,539	$640,799	-0.2%
Net Income	$19,378	$-54,360	-1.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHAFIQ TAYUREE	President	2.00	Officer Director	$0	$0	$0
BRADLEY LADDUSAW	Vice President	2.00	Officer Director	$0	$0	$0
ODELL MURRY	Secretary	2.00	Officer Director	$0	$0	$0
MARK FORBES	Director	2.00	Director	$0	$0	$0
ELIZABETH KNIGHT	PAST PRESIDENT	2.00	Director	$0	$0	$0
DAVID HERZER	Director	1.00	Director	$0	$0	$0
STEPHEN REXRODE	Director	1.00	Director	$0	$0	$0
JOFFREY LONG	Director	1.00	Director	$0	$0	$0
MICHELLE RODRIGUEZ	Director	1.00	Director	$0	$0	$0
SANDY MACDOUGALL	Director	1.00	Director	$0	$0	$0
RICHARD SELZER	Director	1.00	Director	$0	$0	$0
LORI RANDICH	Director	1.00	Director	$0	$0	$0
RICHARD WACHTER	Director	1.00	Director	$0	$0	$0
PAM SOSA	Treasurer	1.00	Officer Director	$0	$0	$0
ROBERT AUSTIN	Director	1.00	Director	$0	$0	$0
STEVE BELLEVILLE	Director	1.00	Director	$0	$0	$0
MARK FORBES	Director	1.00	Director	$0	$0	$0
CHRIS BOULTER	Director	1.00	Director	$0	$0	$0
GLENN GOLDAN	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
2025	No data	No data	No data	No data
2024	$534,917	$515,539	$659,859	$19,378
2023	$586,439	$640,799	$678,174	$-54,360
2022	$539,179	$636,900	$730,429	$-97,721
2021	$416,350	$378,264	$855,803	$38,086
2020	$614,553	$657,971	$773,285	$-43,418
2019	$731,353	$709,602	$798,137	$21,751
2018	$726,129	$675,915	$793,057	$50,214

CALIFORNIA MORTGAGE ASSOCIATION