Bay Area Community Land Trust (EIN 205420298) - 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

2006

Legal Domicile

Tax Period

2024-01-01 to 2024-12-31

Bay Area Community Land Trust, founded in 2006, is a small nonprofit in the Housing & Shelter sector that reported $779K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $947K exceeded revenue, resulting in a 22% operating deficit.

Mission

Support and develop low-income affordable cooperative housing.

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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 $219,829

Program Service Revenue $214,652

Investment Income $1,890

Other Revenue $342,132

TOTAL REVENUE $778,503

Expense Breakdown

Grants Paid $0

Salaries & Benefits $391,872

Fundraising Expenses $27,662

Program Expenses $726,741

Other Expenses $554,961

TOTAL EXPENSES $946,833

Year-over-Year Comparison

	2024	2023	Change
Revenue	$778,503	$636,417	+0.2%
Expenses	$946,833	$927,877	+0.0%
Net Income	$-168,330	$-291,460	-0.4%

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

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
Stephen Barton	Public Member	1.00	Director	$0	$0	$0
Aja Fasah	General Member	1.00	Director	$0	$0	$0
Bernadette Okereke	General Member	1.00	Director	$0	$0	$0
Michael Wharton	Lessee Member	1.00	Director	$0	$0	$0
April King	Lessee Member	1.00	Director	$0	$0	$0
Michael Chao	Public Member	1.00	Director	$0	$0	$0
Dustin Tranberg	Lessee Member	1.00	Director	$0	$0	$0
Paula Saenghoi	Lessee Member	1.00	Director	$0	$0	$0
Arienne Senten	Alternate Lessee Member	1.00	Director	$0	$0	$0
Jocelyn Zorn	Alternate Lessee Member	1.00	Director	$0	$0	$0
Will Adams	Alternate Lessee Member	1.00	Director	$0	$0	$0
Tracy Parent	Organizational Director Elect	5.00	Director	$0	$0	$0
Mary Lucas McDonald	Vice President	5.00	Officer Director	$0	$0	$0
Beth Youhn	Secretary	1.00	Officer Director	$0	$0	$0
Kori Chen	Treasurer	1.00	Officer Director	$0	$0	$0
Jasmine Sozi	President	5.00	Officer 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
2024	$778,503	$946,833	$20,917,509	$-168,330
2023	$636,417	$927,877	$17,948,071	$-291,460
2022	$516,494	$633,258	$15,948,538	$-116,764
2021	$371,880	$347,006	$6,201,084	$24,874
2020	$434,392	$288,316	$4,603,942	$146,076
2019	$1,196,260	$194,784	$3,036,142	$1,001,476
2018	$-6,445	$44,762	$1,825,912	$-51,207

Bay Area Community Land Trust