ON THE ROAD LENDING (EIN 383910893) - 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

2013

Legal Domicile

Principal Officer

MICHELLE CORSON

Phone

2142262542

Tax Period

2023-01-01 to 2023-12-31

ON THE ROAD LENDING, founded in 2013, is a community nonprofit in the Human Services sector that reported $2.9M in total revenue in fiscal year 2023. Expenses of $2.7M left a modest 5% surplus.

Mission

TO LIFT PEOPLE FROM POVERTY THROUGH TRANSPORTATION INNOVATION.

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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 $2,458,635

Program Service Revenue $432,398

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,891,033

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $1,206,817

Fundraising Expenses $43,201

Program Expenses $2,469,919

Other Expenses $1,518,126

TOTAL EXPENSES $2,734,943

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,891,033	$2,765,922	+0.0%
Expenses	$2,734,943	$3,442,086	-0.2%
Net Income	$156,090	$-676,164	-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

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

Total Directors

Key Employees

$436,039

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID CHARD	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MICHELLE CORSON	CEO & DIRECTOR	15.00	Officer Director	$0	$0	$0
YOLANDA TURNER	SECRETARY	1.00	Officer Director	$0	$0	$0
YVETTE RICHARDS	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN CONLEY	DIRECTOR	1.00	Director	$0	$0	$0
SHARRON HUNT	DIRECTOR	1.00	Director	$0	$0	$0
RICH WALDEN	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM LONG JR	PRESIDENT	40.00	Key Emp	$202,500	$13,110	$215,610
LONNIE SMITH	PRESIDENT	40.00	Key Emp	$186,390	$34,039	$220,429

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	No data	No data	No data	No data
2023	$2,891,033	$2,734,943	$11,746,055	$156,090
2022	$2,765,922	$3,442,086	$16,935,632	$-676,164
2021	$5,467,366	$8,159,026	$16,314,652	$-2,691,660
2020	$938,577	$2,674,240	$9,649,605	$-1,735,663
2019	$5,179,121	$2,178,407	$3,187,712	$3,000,714
2018	$2,302,939	$1,430,592	$813,108	$872,347

ON THE ROAD LENDING