COMMUNITY INVESTMENT CORPORATION OF DECATUR INC (EIN 371293865) - 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

1991

Legal Domicile

Principal Officer

JAMES SEABERG

Phone

2174230352

Tax Period

2024-05-01 to 2025-04-30

COMMUNITY INVESTMENT CORPORATION OF DECATUR INC, founded in 1991, is a small nonprofit in the Community Improvement sector that reported $344K in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $490K exceeded revenue, resulting in a 42% operating deficit.

Mission

TO COMBAT COMMUNITY DETERIORATION, PROMOTE THE COMMON GOOD AND GENERAL WELFARE OF THE COMMUNITY, AND LESSEN THE BURDEN OF GOVERNMENT IN THE CITY OF DECATUR, ILLINOIS, BY IMPROVING THE ECONOMIC, HOUSING AND SOCIAL CONDITIONS FOR LOW AND MODERATE INCOME CITIZENS OF THE CITY THROUGH BUSINESS DEVELOPMENT AND EXPANSION ASSISTANCE, JOB CREATION AND RETENTION EFFORTS, AND HOUSING AND SOCIAL WELFARE PROGRAMS.

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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 $148,210

Program Service Revenue $58,926

Investment Income $39,944

Other Revenue $97,026

TOTAL REVENUE $344,106

Expense Breakdown

Grants Paid $0

Salaries & Benefits $246,831

Fundraising Expenses $0

Program Expenses $346,198

Other Expenses $243,179

TOTAL EXPENSES $490,010

Year-over-Year Comparison

	2024	2023	Change
Revenue	$344,106	$257,035	+0.3%
Expenses	$490,010	$406,955	+0.2%
Net Income	$-145,904	$-149,920	0.0%

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

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

$70,645

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES SEABERG	PRESIDENT	40.00	Officer	$70,645	$0	$70,645
DAN HECKMAN	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA HON	DIRECTOR	1.00	Director	$0	$0	$0
LARRY LIVERGOOD	DIRECTOR	1.00	Director	$0	$0	$0
JULIA ROUNDTREE LIVINGSTON	SECRETARY	1.00	Officer Director	$0	$0	$0
FRED LOHRSTORFER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
SHAMIKA BOND MADISON	DIRECTOR	1.00	Director	$0	$0	$0
BRENT MCHUGH	CHAIR	1.00	Officer Director	$0	$0	$0
JULIE MOORE-WOLFE	DIRECTOR	1.00	Director	$0	$0	$0
BART ROSE	DIRECTOR	1.00	Director	$0	$0	$0
SARAH SCHRISHUHN	DIRECTOR	1.00	Director	$0	$0	$0
JOE SPRINGER	TREASURER	1.00	Officer Director	$0	$0	$0
ANDREW WEATHERFORD	DIRECTOR	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	$344,106	$490,010	$3,159,945	$-145,904
2024	$257,035	$406,955	$3,264,366	$-149,920
2023	$259,164	$307,458	$3,404,002	$-48,294
2022	$252,333	$354,718	$3,462,547	$-102,385
2021	$335,798	$397,273	$3,568,050	$-61,475
2020	$233,716	$392,753	$3,655,616	$-159,037
2019	$417,858	$585,028	$3,767,467	$-167,170

COMMUNITY INVESTMENT CORPORATION OF DECATUR INC