BANGOR LAND TRUST

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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

2001

Legal Domicile

Principal Officer

STEPHANIE LINDSELL

Phone

2079421010

Tax Period

2025-01-01 to 2025-12-31

BANGOR LAND TRUST, founded in 2001, is a small nonprofit in the Environment sector that reported $124K in total revenue in fiscal year 2025. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $165K exceeded revenue, resulting in a 32% operating deficit.

Mission

PROTECT FOR PUBLIC BENEFIT LAND AND WATER IN THE BANGOR REGION THAT HAVE SPECIAL ECOLOGICAL, NATURAL, SCENIC, AGRICULTURAL, OR RECREATIONAL SIGNIFICANCE; INCREASE PUBLIC UNDERSTANDING OF THE VALUE OF LAND AND WATER CONSERVATION.

Program Service Accomplishments

Program 1

Expenses: $42,149

STEWARDSHIP: MAINTAINED 1,022 ACRES OF CONSERVATION LAND IN BANGOR, INCLUDING MORE THAN 10 MILES OF TRAILS, PLUS 11 ACRES IN LEVANT. THESE LANDS ARE OPEN TO THE PUBLIC FOR NON-MOTORIZED RECREATION...

STEWARDSHIP: MAINTAINED 1,022 ACRES OF CONSERVATION LAND IN BANGOR, INCLUDING MORE THAN 10 MILES OF TRAILS, PLUS 11 ACRES IN LEVANT. THESE LANDS ARE OPEN TO THE PUBLIC FOR NON-MOTORIZED RECREATION SUCH AS WALKING, NATURE STUDY, SKIING, AND BIKING.

Program 2

Expenses: $95,203

EDUCATION AND OUTREACH: HELD 10 PROGRAMS ON BANGOR LAND TRUST PROPERTIES PLUS 5 INDOOR PROGRAMS ON A VARIETY OF NATURE-BASED TOPICS, INCLUDING OUR ANNUAL MEETING. A STORY WALK THAT TOLD A STORY FOR CHILDREN WAS IN PLACE ALL SUMMER ON ONE OF OUR TRAILS. PROGRAMS AT PRESERVES INCLUDED A HALLOWEEN-THEMED WALK IN COLLABORATION WITH THE MAINE DISCOVERY MUSEUM THAT ATTRACTED A CROWD ESTIMATED AT 250 TO 300 ADULTS AND CHILDREN. IN ADDITION, BANGOR LAND TRUST STAFFED TABLES WHERE WE HANDED OUT MAPS AND BROCHURES AND ANSWERED QUESTIONS FROM INTERESTED PARTICIPANTS AT 3 VENUES. WE ALSO PUBLISHED TWO NEWSLETTERS FOR OUR MEMBERS AND MAINTAINED AN ACTIVE PRESENCE ON SOCIAL MEDIA AND ON THE BANGOR LAND TRUST WEBSITE. WE CONTINUED OUR OUTREACH TO LANDOWNERS AROUND THE MARSH, AIMED AT PROVIDING THEM WITH AN UNDERSTANDING OF THE IMPORTANCE OF WETLANDS AND OF BEAVERS THAT HELP TO MAINTAIN WETLANDS.

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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 $98,439

Program Service Revenue $0

Investment Income $26,053

Other Revenue $0

TOTAL REVENUE $124,492

Expense Breakdown

Grants Paid $0

Salaries & Benefits $77,506

Fundraising Expenses $4,762

Program Expenses $137,352

Other Expenses $87,288

TOTAL EXPENSES $164,794

Year-over-Year Comparison

	2025	2024	Change
Revenue	$124,492	$177,543	-0.3%
Expenses	$164,794	$160,566	+0.0%
Net Income	$-40,302	$16,977	-3.4%

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

$72,151

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE LINDSELL	EXECUTIVE DI	40.00	Officer	$62,222	$4,367	$66,589
ROBERT OSTROWSKI	EXECUTIVE DI	40.00	Officer	$5,400	$162	$5,562
KEVIN ALLCROFT	DIRECTOR	5.00	Director	$0	$0	$0
BRIAN AHERN	DIRECTOR	1.00	Director	$0	$0	$0
JAMES CONTINO	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
ANDREW CZWAKIEL	SECRETARY	2.00	Officer Director	$0	$0	$0
LUCIE ESTABROOK	PRESIDENT	3.00	Officer Director	$0	$0	$0
CODY HAYNES	DIRECTOR	1.00	Director	$0	$0	$0
TIM HUDSON	DIRECTOR	2.00	Director	$0	$0	$0
JAMES W HINDS	TREASURER	5.00	Officer Director	$0	$0	$0
BRANDON KEIM	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN NORTON	DIRECTOR	5.00	Director	$0	$0	$0
LUCY QUIMBY	DIRECTOR (FM	1.00	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
2025	$124,492	$164,794	$1,344,217	$-40,302
2024	$177,543	$160,566	$1,347,201	$16,977
2023	$170,355	$101,640	$1,286,093	$68,715
2022	$357,263	$81,693	$1,169,981	$275,570
2021	$136,126	$74,676	$957,660	$61,450
2020	$126,891	$78,344	$851,777	$48,547
2019	$93,107	$78,309	$757,800	$14,798
2018	$76,105	$71,537	$703,794	$4,568