Four Directions Development Corpor… - Form 990 Financial Data

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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

2001

Legal Domicile

Principal Officer

Matthew Lewis

Phone

2078666545

Tax Period

2024-10-01 to 2025-09-30

Four Directions Development Corporation, founded in 2001, is a community nonprofit in the Housing & Shelter sector that reported $7.0M in total revenue in fiscal year 2024. Revenue surged 191% from the prior year, signaling strong growth momentum. The organization ran a surplus of $4.6M, a strong 66% operating margin.

Program Service Accomplishments

Program 1

Expenses: $1,554,795

RESIDENTIAL LENDING - FOUR DIRECTIONS DEVELOPMENT COPORATIONS RESIDENTIAL LENDING PROGRAM SEEKS TO IMPROVE THE LIVES OF ITS BORROWERS BY PROVIDING FIRST MORTGAGE LOANS FOR HOMEOWNERS/CONSTRUCTION...

RESIDENTIAL LENDING - FOUR DIRECTIONS DEVELOPMENT COPORATIONS RESIDENTIAL LENDING PROGRAM SEEKS TO IMPROVE THE LIVES OF ITS BORROWERS BY PROVIDING FIRST MORTGAGE LOANS FOR HOMEOWNERS/CONSTRUCTION, REFINANCING, PURCHASE-PLUS IMPROVEMENTS, FINANCING FOR MODULAR/MOBILE HOMES HOME IMPROVEMENTS SUBORDINATE FINANCING FOR REPAIRS/IMPROVEMENTS HOME EQUITY LOAN CONSUMER LOANS FOR EMERGENCY EXPENSES OR PAY DOWN DEBT. SOUND LENDING PRACTICES ENABLE BORROWERS TO FEEL SECURE KNOWING FDDC IS WORKING FOR THEM.

Program 2

Expenses: $113,933

FINANCIAL CAPABILITIES - FOUR DIRECTIONS DEVELOPMENT CORPORATIONS FINANCIAL CAPABILITIES PROGRAM PROVIDES HOMEOWNERSHIP AND FINANCIAL EDUCATION TO EMPOWER TRIBAL MEMBERS TO REACH THEIR FINANCIAL...

FINANCIAL CAPABILITIES - FOUR DIRECTIONS DEVELOPMENT CORPORATIONS FINANCIAL CAPABILITIES PROGRAM PROVIDES HOMEOWNERSHIP AND FINANCIAL EDUCATION TO EMPOWER TRIBAL MEMBERS TO REACH THEIR FINANCIAL GOALS. THE PROGRAM INCLUDES ONE-ON-ONE FINANCIAL COACHING AND HOMEOWNERSHIP COUNSELING, AS WELL AS LARGER GROUP EDUCATION WORKSHOPS AND EVENTS. THESE ACTIVITES INCLUDE PRE AND POST PURCHASE HOMEOWNERSHIP COUNSELING, RENTAL COUNSELING, DELINQUENCY AND PRE-FORECLOSURE COUNSELING, MONEY MANAGEMENT COACHING, CREDIT COACHING, AND HOMEBUYER EDUCATION CLASSES.

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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 $5,907,247

Program Service Revenue $845,483

Investment Income $219,720

Other Revenue $63,277

TOTAL REVENUE $7,035,727

Expense Breakdown

Grants Paid $0

Salaries & Benefits $875,415

Fundraising Expenses $0

Program Expenses $1,668,728

Other Expenses $1,537,129

TOTAL EXPENSES $2,412,544

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,035,727	$2,421,539	+1.9%
Expenses	$2,412,544	$2,337,814	+0.0%
Net Income	$4,623,183	$83,725	+54.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nichole Francis	President	000.50	Officer Director	$0	$0	$0
Eric Nicolar	Treasurer	000.50	Officer Director	$0	$0	$0
Catherine St John	Secretary	000.50	Officer Director	$0	$0	$0
Gabe Paul	Director	000.50	Director	$0	$0	$0
Christopher Phillips	Director	000.50	Director	$0	$0	$0
Martha Bentley	Director	000.50	Director	$0	$0	$0
Jeffrey Nathan	Director	000.50	Director	$0	$0	$0
Laura Buxbaum	Director	000.50	Director	$0	$0	$0
Vicki Rusbult	Director	000.50	Director	$0	$0	$0
Jacob Pelkey	Director	000.50	Director	$0	$0	$0
Susan Hammond	Vice President	000.50	Officer Director	$0	$0	$0
Ernest Neptune	Director	000.50	Director	$0	$0	$0
Amy Winston	Director	000.50	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	$7,035,727	$2,412,544	$19,937,045	$4,623,183
2024	No data	No data	No data	No data
2023	$2,551,410	$2,046,665	$15,646,979	$504,745
2022	$2,419,599	$1,851,139	$14,264,573	$568,460
2021	$2,458,289	$1,452,618	$13,017,846	$1,005,671
2020	$1,324,518	$896,411	$11,436,846	$428,107
2019	$1,403,515	$900,634	$10,950,548	$502,881
2018	$916,929	$727,013	$9,806,937	$189,916

Four Directions Development Corporation