AMERICAN COMMUNITIES TRUST (EIN 262998289) - 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

2008

Legal Domicile

Principal Officer

DR GARY D RODWELL

Phone

2403544544

Tax Period

2024-01-01 to 2024-12-31

AMERICAN COMMUNITIES TRUST, founded in 2008, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $1.7M in total revenue in fiscal year 2024. Revenue fell 35% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $556K, a strong 33% operating margin.

Mission

TO IMPROVE INNER CITY NEIGHBORHOODS BY INCREASING ECONOMIC OPPPORTUNITY.

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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 $1,541,607

Program Service Revenue $7,925

Investment Income $12,418

Other Revenue $113,185

TOTAL REVENUE $1,675,135

Expense Breakdown

Grants Paid $0

Salaries & Benefits $371,392

Fundraising Expenses $44,785

Program Expenses $1,063,644

Other Expenses $748,235

TOTAL EXPENSES $1,119,627

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,675,135	$2,586,469	-0.4%
Expenses	$1,119,627	$784,853	+0.4%
Net Income	$555,508	$1,801,616	-0.7%

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

$224,570

Total Directors

$224,570

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENJAMIN L CIRKA	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
BILL STRUEVER	PRESIDENT	0.50	Officer Director	$0	$0	$0
CHINA BOAK TERRELL	OUTGOING CEO	40.00	Officer Director	$181,481	$23,089	$204,570
DR GARY RODWELL	BOARD MEMBER	0.50	Officer Director	$0	$0	$0
ELAINE DIPIETRO	TREASURER (THRU 11/24) AND INTERIM CEO	0.50	Officer Director	$20,000	$0	$20,000
JANICE WOODCOCK	SECRETARY	0.50	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	$1,675,135	$1,119,627	$11,391,330	$555,508
2023	$2,586,469	$784,853	$11,213,260	$1,801,616
2022	$1,678,107	$902,913	$9,045,085	$775,194
2021	$1,006,992	$503,459	$6,723,254	$503,533
2020	$526,087	$405,334	$6,575,076	$120,753
2019	$1,457,165	$448,758	$6,524,181	$1,008,407
2018	$803,382	$968,623	$5,433,436	$-165,241

AMERICAN COMMUNITIES TRUST