TRAILER TERRACE COMMUNITY INC DBA CROSSROADS COOPERATIVE (EIN 274502412) - 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

2015

Legal Domicile

Principal Officer

BRAD CHAPPELL

Phone

4067880137

Tax Period

2025-01-01 to 2025-12-31

TRAILER TERRACE COMMUNITY INC DBA CROSSROADS COOPERATIVE, founded in 2015, is a small nonprofit in the Housing & Shelter sector that reported $426K in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $86K, a strong 20% operating margin.

Mission

NON-PROFIT TRAILER PARK COMMUNITY PROVIDING MANUFACTURED HOME LOT SPACE FOR LOW TO MODERATE INCOME FAMILIES AND INDIVIDUALS WHO ARE UNABLE TO AFFORD CONVENTIONAL HOMES DUE TO INCOME LIMITATIONS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $423,416

Investment Income $2,198

Other Revenue $0

TOTAL REVENUE $425,614

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $330,868

Other Expenses $339,992

TOTAL EXPENSES $339,992

Year-over-Year Comparison

	2025	2024	Change
Revenue	$425,614	$347,541	+0.2%
Expenses	$339,992	$334,101	+0.0%
Net Income	$85,622	$13,440	+5.4%

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

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
BRAD CHAPPELL	PRESIDENT	1.00	Officer	$0	$0	$0
GALEN FLANAGAN	VICE PRESIENT	1.00	Officer	$0	$0	$0
RON LORENZ	TREASURER	1.00	Officer	$0	$0	$0
CORRI WROBEL	SECRETARY	1.00	Officer	$0	$0	$0
JOEY FEIST	OPERATIONS DIRECTOR	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
2025	$425,614	$339,992	$1,877,596	$85,622
2024	$347,541	$334,101	$1,715,064	$13,440
2023	$315,538	$313,286	$1,705,669	$2,252
2022	$302,986	$284,404	$1,719,470	$18,582
2021	$294,075	$328,769	$1,726,382	$-34,694
2020	$326,048	$270,456	$1,812,056	$55,592
2019	$281,554	$263,247	$1,777,769	$18,307
2018	$309,852	$305,609	$1,780,068	$4,243

TRAILER TERRACE COMMUNITY INC DBA CROSSROADS COOPERATIVE