GOLDEN VALLEY BANK COMMUNITY (EIN 208398003) - 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

2007

Legal Domicile

Principal Officer

MARK FRANCIS

Phone

5308941000

Tax Period

2023-01-01 to 2023-12-31

GOLDEN VALLEY BANK COMMUNITY, founded in 2007, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $291K in total revenue in fiscal year 2023. Revenue decreased 17% compared to the prior year. Expenses of $1.6M exceeded revenue, resulting in a 440% operating deficit.

Mission

TO SERVE AS A CATALYST AND PARTNER IN FINDING INNOVATIVE AND WORKABLE SOLUTIONS TO COMMUNITY NEEDS.

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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 $212,889

Program Service Revenue $0

Investment Income $0

Other Revenue $78,285

TOTAL REVENUE $291,174

Expense Breakdown

Grants Paid $1,568,720

Salaries & Benefits $0

Fundraising Expenses $2,414

Program Expenses $1,568,720

Other Expenses $2,514

TOTAL EXPENSES $1,571,234

Year-over-Year Comparison

	2023	2022	Change
Revenue	$291,174	$352,585	-0.2%
Expenses	$1,571,234	$584,473	+1.7%
Net Income	$-1,280,060	$-231,888	+4.5%

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
TRACIE CVITKOVICH	DIRECTOR	N/A	Director	$0	$0	$0
JOLENE FRANCIS	DIRECTOR	N/A	Director	$0	$0	$0
MARK FRANCIS	DIRECTOR/CHA	N/A	Officer Director	$0	$0	$0
SIERRA GROSSMAN	DIRECTOR	N/A	Director	$0	$0	$0
DOUG GUILLON	DIRECTOR/VIC	N/A	Officer Director	$0	$0	$0
LAURIE KEE	DIRECTOR/SEC	N/A	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	No data	No data	No data	No data
2023	$291,174	$1,571,234	$460,620	$-1,280,060
2022	$352,585	$584,473	$1,740,680	$-231,888
2021	$238,064	$2,298,066	$1,972,568	$-2,060,002
2020	$656,772	$3,714,712	$4,032,570	$-3,057,940
2019	$8,724,539	$6,072,029	$7,130,510	$2,652,510
2018	$5,432,169	$1,036,498	$4,538,194	$4,395,671

GOLDEN VALLEY BANK COMMUNITY