WHITE ROCK LOCAL MARKET INC (EIN 271086110) - 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

2009

Legal Domicile

Principal Officer

ISABELLA CHABERLAIN

Phone

8178630369

Tax Period

2024-01-01 to 2024-12-31

WHITE ROCK LOCAL MARKET INC, founded in 2009, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $104K in total revenue in fiscal year 2024. Revenue fell 48% from the prior year — a significant decline worth monitoring. Expenses of $126K exceeded revenue, resulting in a 21% operating deficit.

Mission

GOOD LOCAL MARKETS STRENGTHENS OUR LOCAL FOOD SYSTEM BY CONNECTING DALLAS COMMUNITIES WITH THE FRESHEST FARM-DIRECT FOOD AND HANDMADE GOODS - ALL FROM WITHIN 150 MILES. WE DOUBLE SNAP BENEFITS TO IMPROVE FOOD ACCESS.

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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 $36,581

Program Service Revenue $67,636

Investment Income $61

Other Revenue $0

TOTAL REVENUE $104,278

Expense Breakdown

Grants Paid $96

Salaries & Benefits $55,468

Fundraising Expenses $0

Program Expenses $48,880

Other Expenses $70,793

TOTAL EXPENSES $126,357

Year-over-Year Comparison

	2024	2023	Change
Revenue	$104,278	$201,739	-0.5%
Expenses	$126,357	$233,211	-0.5%
Net Income	$-22,079	$-31,472	-0.3%

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

$3,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ISABELLA CHAMBERLAIN	OUTGOING DIRECTOR	40.00		$46,500	$0	$46,500
LISSET BELL	EXECUTIVE DIRECTOR	40.00	Officer	$3,500	$0	$3,500
KAREN MOORE	COMMITTEE CHAIR	1.00	Officer	$0	$0	$0
ADAM JOCHELSON	PRESIDENT	2.00	Officer	$0	$0	$0
JOHNATHON BINGHAM	BOARD TREASURER	1.00	Officer	$0	$0	$0
JOHN BOTEFUHR	VICE PRESIDENT	1.00	Officer	$0	$0	$0
KATHY CRELLY	TREASURER	1.00	Officer	$0	$0	$0
BRITTANY STUBBLEFIELD	BOARD MEMBER	1.00	Officer	$0	$0	$0
TRACY BOWEN	BOARD MEMBER	1.00	Officer	$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	$104,278	$126,357	$21,496	$-22,079
2023	$201,739	$233,211	$42,707	$-31,472
2018	$262,343	$134,722	$150,284	$127,621

WHITE ROCK LOCAL MARKET INC