Civic Intelligence

Maine Association of Mortgage Prof

EIN 01-0403673 • 501(c)6 • Bangor, ME

990-N Coverage

Profile

EDUCATION OF MEMBERSHIP

PO Box 1571Bangor, ME 04402

www.mortgagemaine.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

86th percentile

0.33x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

0.17x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

62nd percentile

6.3%

Higher net margin than 62% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

85th percentile

$32,520

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 30.8% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

38th percentile

-8.8%

Faster asset growth than 38% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

43rd percentile

-4.3%

Faster revenue growth than 43% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$53,357

Down $5,149 (-8.8%) from 2023

Liabilities

Down

$17,606

Down $11,825 (-40%) from 2023

Net Assets

Up

$35,751

Up $6,676 (+23%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin62nd percentile

Revenue

Down

$105,732

Down $4,756 (-4.3%) from 2023

Expenses

Up

$99,056

Up $4,619 (+4.9%) from 2023

Net Income

Down

$6,676

Down $9,375 (-58%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60K$40K$20K$0-$20KAssets 2012: $24,409Liabilities 2012: $3,025Net Assets 2012: $21,3842012Assets 2013: $22,221Liabilities 2013: $0Net Assets 2013: $22,2212013Assets 2014: $27,503Liabilities 2014: $1,850Net Assets 2014: $25,6532014Assets 2015: $22,574Liabilities 2015: $0Net Assets 2015: $22,5742015Assets 2016: $41,535Liabilities 2016: $7,369Net Assets 2016: $34,1662016Assets 2017: $32,341Liabilities 2017: $5,225Net Assets 2017: $27,1162017Assets 2018: $40,869Liabilities 2018: $9,825Net Assets 2018: $31,0442018Assets 2019: $31,328Liabilities 2019: $13,175Net Assets 2019: $18,1532019Assets 2020: $23,168Liabilities 2020: $11,875Net Assets 2020: $11,2932020Assets 2021: $11,364Liabilities 2021: $12,778Net Assets 2021: -$1,4142021Assets 2022: $39,136Liabilities 2022: $26,112Net Assets 2022: $13,0242022Assets 2023: $58,506Liabilities 2023: $29,431Net Assets 2023: $29,0752023Assets 2024: $53,357Liabilities 2024: $17,606Net Assets 2024: $35,7512024

Highlighted filing

2024

Assets$53,357
Liabilities$17,606
Net Assets$35,751
Open 2024 Filing

Operations Trend

Revenue Growth43rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KRevenue 2012: $38,774Expenses 2012: $47,026Net Income 2012: -$8,2522012Revenue 2013: $54,772Expenses 2013: $53,935Net Income 2013: $8372013Revenue 2014: $62,640Expenses 2014: $59,208Net Income 2014: $3,4322014Revenue 2015: $59,657Expenses 2015: $62,736Net Income 2015: -$3,0792015Revenue 2016: $75,110Expenses 2016: $63,518Net Income 2016: $11,5922016Revenue 2017: $77,766Expenses 2017: $84,816Net Income 2017: -$7,0502017Revenue 2018: $94,032Expenses 2018: $90,104Net Income 2018: $3,9282018Revenue 2019: $83,914Expenses 2019: $96,805Net Income 2019: -$12,8912019Revenue 2020: $34,780Expenses 2020: $41,640Net Income 2020: -$6,8602020Revenue 2021: $51,328Expenses 2021: $64,035Net Income 2021: -$12,7072021Revenue 2022: $97,859Expenses 2022: $83,421Net Income 2022: $14,4382022Revenue 2023: $110,488Expenses 2023: $94,437Net Income 2023: $16,0512023Revenue 2024: $105,732Expenses 2024: $99,056Net Income 2024: $6,6762024

Highlighted filing

2024

Revenue$105,732
Expenses$99,056
Net Income$6,676
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$53,357
Liabilities
$17,606
Net assets
$35,751
Revenue
$105,732
Expenses
$99,056
Net income
$6,676
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.53$0.18$0.36$1.06$0.99$0.07
2023Detailed filing. Detailed filing data is available for this year.$0.59$0.29$0.29$1.10$0.94$0.16
2022Detailed filing. Detailed filing data is available for this year.$0.39$0.26$0.13$0.98$0.83$0.14
2021Detailed filing. Detailed filing data is available for this year.$0.11$0.13$0.01$0.51$0.64$0.13
2020Detailed filing. Detailed filing data is available for this year.$0.23$0.12$0.11$0.35$0.42$0.07
2019Detailed filing. Detailed filing data is available for this year.$0.31$0.13$0.18$0.84$0.97$0.13
2018Detailed filing. Detailed filing data is available for this year.$0.41$0.10$0.31$0.94$0.90$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.32$0.05$0.27$0.78$0.85$0.07
2016Detailed filing. Detailed filing data is available for this year.$0.42$0.07$0.34$0.75$0.64$0.12
2015Detailed filing. Detailed filing data is available for this year.$0.23$0.00$0.23$0.60$0.63$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.28$0.02$0.26$0.63$0.59$0.03
2013Detailed filing. Detailed filing data is available for this year.$0.22$0.00$0.22$0.55$0.54$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.24$0.03$0.21$0.39$0.47$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$116,353
Mission and Program Overview

Mission

EDUCATION OF MEMBERSHIP

Program Services

DescriptionGrantsExpenses
EDUCATING MEMBERS IN RECENT REGULATORY AND BUSINESS ENVIRONMENTAL CHANGES-$0
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
EMILY HOODExecutive DirectorPT$32,520-$32,520
LORI MICHAUDPresident-$0--
ASHLEY BOURASSATreasurersecretary-$0--
APRIL GLEASONDirector-$0--
RHONDA SMALLVice President-$0--
DENISE MCINTYREDirector-$0--
ROBERT STRONGDirector-$0--
HAL TIPPETTSDirector-$0--
CONNIE MINERVINODirector-$0--
KATHERINE DAMONDirector-$0--
JEAN LIBBYDirector-$0--
HILLARY BICKFORDDirector-$0--
JENNIFER CORBETTDirector-$0--
NICOLE GANEMDirector-$0--
ROLAND NAROFSKYDirector-$0--
DEBORAH WHITMANDirector-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Charity Golf$31,869$31,869$1,421$30,448
Total Events$31,869$31,869$10,621$21,248
Filing and Contact Details

Filer

Filer Name
Maine Association of Mortgage Prof
EIN
01-0403673
In Care Of
% ASHLEY BOURASSA
Phone
2077120402
Address
PO BOX 1571, BANGOR, ME 04402

Signing Officer

Name
Ashley Bourassa
Title
Treasurersecretary
Phone
2077120402
Signed
2025-11-14
Discuss with paid preparer
Yes

Preparer

Firm
Eshelman Accounting Services PA
Address
PO Box 8612, Portland, ME 04104
Preparer
Mary B Eshelman CPA
Phone
2075414200
Supplemental Narrative

Additional Explanations

Description of other expenses Part I line 16

“Description AmountBANK AND CREDIT CARD FEES 2,480DUES 1,100WEBSITE HOSTING 2,696PROGRAM EXPENSES 28,291INSURANCE 976TRAVEL AND MEETINGS 609CHARITABLE CONTRIBUTIONS 21,500TELEPHONE AND TELECOMMUNICATIONS 1,110SUPPLIES 719LICENSES AND PERMITS 35SUBSCRIPTION SERVICES 915PAYROLL TAXES 2,808”

Description of total liabilities Part II line 26

“Category Beginning of Year End of YearDEFERRED REVENUE-ADVANCE DUES 28,720 16,925PAYROLL TAXES PAYABLE 711 681”

Raw XML Appendix203 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990EZ/BooksInCareOfDetail/PhoneNum02077781429
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0PORTLAND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ME
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd004103
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt058506
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt053357
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt06676
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03051
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
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IRS990EZ/Form990TotalAssetsGrp/EOYAmt053357
IRS990EZ/FundraisingGrossIncomeAmt031869
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IRS990EZ/InfoInScheduleOPartIIInd0X
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IRS990EZ/LandAndBuildingsGrp/BOYAmt00
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IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt030237
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IRS990EZ/NetAssetsOrFundBalancesBOYAmt029075
IRS990EZ/NetAssetsOrFundBalancesEOYAmt035751
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt120
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt150
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0LORI MICHAUD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1ASHLEY BOURASSA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2APRIL GLEASON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3RHONDA SMALL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4DENISE MCINTYRE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ROBERT STRONG
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6HAL TIPPETTS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7CONNIE MINERVINO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8KATHERINE DAMON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9JEAN LIBBY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10EMILY HOOD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm11HILLARY BICKFORD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm12JENNIFER CORBETT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm13NICOLE GANEM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm14ROLAND NAROFSKY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm15DEBORAH WHITMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURERSECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10EXECUTIVE DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt11DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt12DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt13DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt14DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt15DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherExpensesTotalAmt063239
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0EDUCATION OF MEMBERSHIP
IRS990EZ/PrintingPublicationsPostageAmt0246
IRS990EZ/ProgramServiceRevenueAmt054247
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/SalariesOtherCompEmplBnftAmt032520
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IRS990EZ/SpecialEventsNetIncomeLossAmt021248
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt029431
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt017606
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt099056
IRS990EZ/TotalRevenueAmt0105732
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.MORTGAGEMAINE.COM
IRS990ScheduleG/AgrmtProfFundraisingActyInd0false
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt010621
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0CHARITY GOLF
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt03700
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt03700
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt031869
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt031869
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt031869
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IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt01421
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IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt05500
IRS990ScheduleG/SpecialFundraisingEventsInd0X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Category Beginning of Year End of YearDEFERRED REVENUE-ADVANCE DUES 28,720 16,925PAYROLL TAXES PAYABLE 711 681
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of total liabilities Part II line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ASHLEY BOURASSA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURERSECRETARY
ReturnHeader/BusinessOfficerGrp/PhoneNum02077120402
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MAINE ASSOCIATION OF MORTGAGE PROF
ReturnHeader/Filer/BusinessNameControlTxt0MAIN
ReturnHeader/Filer/EIN0010403673
ReturnHeader/Filer/InCareOfNm0% ASHLEY BOURASSA
ReturnHeader/Filer/PhoneNum02077120402
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1571
ReturnHeader/Filer/USAddress/CityNm0BANGOR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ME
ReturnHeader/Filer/USAddress/ZIPCd004402
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0461499513
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Eshelman Accounting Services PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 8612
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Portland
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ME
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd004104
ReturnHeader/PreparerPersonGrp/PhoneNum02075414200
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARY B ESHELMAN CPA
ReturnHeader/ReturnTs02025-11-14T15:49:55-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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