CBT DEVELOPMENT INC (EIN 341270284) - 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

1982

Legal Domicile

Principal Officer

DAVID WONDOLOWSKI

Phone

2167742353

Tax Period

2023-10-01 to 2024-09-30

CBT DEVELOPMENT INC, founded in 1982, is a micro nonprofit that reported $5 in total revenue in fiscal year 2023. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $3K exceeded revenue, resulting in a 50500% operating deficit.

Mission

PROVIDE LOW-INCOME HOUSING FOR THE ELDERLY.

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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 $0

Program Service Revenue $0

Investment Income $5

Other Revenue $0

TOTAL REVENUE $5

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,530

Other Expenses $2,530

TOTAL EXPENSES $2,530

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5	$307,543	-1.0%
Expenses	$2,530	$3,451	-0.3%
Net Income	$-2,525	$304,092	-1.0%

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

N/A

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
DAN GALLAGHER	TRUSTEE	1.00	Director	$0	$0	$0
TERRY JOYCE	TRUSTEE	1.00	Director	$0	$0	$0
RYAN MCCAFFERTY	TRUSTEE	1.00	Director	$0	$0	$0
TERRY MCCAFFERTY	TRUSTEE	1.00	Director	$0	$0	$0
DAVID WONDOLOWSKI	PRESIDENT	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	$5	$2,530	$4,256,011	$-2,525
2023	$307,543	$3,451	$4,258,686	$304,092
2022	$122,404	$6,200	$3,955,087	$116,204
2021	$6,687,424	$640,833	$3,836,157	$6,046,591
2020	$1,120,611	$1,066,145	$1,690,201	$54,466
2019	$1,208,540	$1,131,386	$2,128,184	$77,154
2018	$1,210,249	$1,044,971	$2,093,895	$165,278

CBT DEVELOPMENT INC