LUELLA C OLIVER TRUST BANK OF PONT… - Form 990 Financial Data

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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

1987

Legal Domicile

Phone

8158446155

Tax Period

2025-01-01 to 2025-12-31

LUELLA C OLIVER TRUST BANK OF PONTIAC TRUSTEE, founded in 1987, is a micro nonprofit that reported $63K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Expenses of $69K exceeded revenue, resulting in a 11% operating deficit.

Mission

GRANT ONE-HALF NET INCOME TO UNITED METHODIST CHURCH OF CHATSWORTH, IL, AND ONE-HALF NET INCOME TO GARRETT EVANGELICAL THOELOGICAL SOCIETY FOR SCHOLARSHIPS.

Program Service Accomplishments

Program 1

Expenses: $30,416

GRANT TO UNITED METHODIST CHURCH OF CHATSWORTH, IL, TO BE PAID TO ITS BUILDING FUND PURSUANT TO LAST WILL OF LUELLA C. OLIVER FROM 1/2 OF THE NET INCOME OF THE TRUST

Program 2

Expenses: $30,416

GRANT TO GARRETT EVANGILICAL THEOLOGICAL SOCIETY TO BUILD AN ENDOWED SCHOLARSHIP FUND TO HELP FINANCE ATTENDANCE OF WORTHY STUDENTS FROM 1/2 OF THE NET INCOME OF THE TRUST

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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 $0

Investment Income $6,933

Other Revenue $55,720

TOTAL REVENUE $62,653

Expense Breakdown

Grants Paid $60,832

Salaries & Benefits $7,733

Fundraising Expenses $0

Program Expenses $60,832

Other Expenses $740

TOTAL EXPENSES $69,305

Year-over-Year Comparison

	2025	2024	Change
Revenue	$62,653	$72,375	-0.1%
Expenses	$69,305	$31,518	+1.2%
Net Income	$-6,652	$40,857	-1.2%

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

N/A

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
BANK OF PONTIAC	Trustee	1.00		$8,457	$0	$8,457

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	$62,653	$69,305	$726,729	$-6,652
2024	$72,375	$31,518	$714,222	$40,857
2023	$35,170	$66,675	$653,336	$-31,505
2022	$70,226	$42,363	$667,625	$27,863
2021	$43,192	$48,965	$686,798	$-5,773
2020	$55,265	$48,545	$683,991	$6,720
2019	$47,873	$36,790	$667,923	$11,083

LUELLA C OLIVER TRUST BANK OF PONTIAC TRUSTEE