THE ST LOUIS LOCAL DEVELOPMENT CO (EIN 431149599) - 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

1976

Legal Domicile

Principal Officer

NEAL RICHARDSON

Phone

3146573700

Tax Period

2022-07-01 to 2023-06-30

THE ST LOUIS LOCAL DEVELOPMENT CO, founded in 1976, is a micro nonprofit that reported $38K in total revenue in fiscal year 2022. Revenue fell 99% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $24K, a strong 63% operating margin.

Mission

TO PROVIDE LENDING SERVICES TO THE SMALL BUSINESS COMMUNITY IN ST. LOUIS, MISSOURI.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $37,541

Investment Income $532

Other Revenue $10

TOTAL REVENUE $38,083

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $14,035

Other Expenses $14,035

TOTAL EXPENSES $14,035

Year-over-Year Comparison

	2022	2021	Change
Revenue	$38,083	$3,211,620	-1.0%
Expenses	$14,035	$3,161,867	-1.0%
Net Income	$24,048	$49,753	-0.5%

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
DON REEVES	DIRECTOR	1.00	Director	$0	$0	$0
T CHRISTOPHER PEOPLES	DIRECTOR	1.00	Director	$0	$0	$0
ANNE GLIEDT	DIRECTOR	1.00	Director	$0	$0	$0
RABIU AHMAD	DIRECTOR	1.00	Director	$0	$0	$0
FREDRECKA MCGLOWN	DIRECTOR	1.00	Director	$0	$0	$0
LAURA M GILBERT	PRESIDENT	1.00	Officer Director	$0	$0	$0
JAMES C SEITZ	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID W MCCREERY	TREASURER	1.00	Officer 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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$38,083	$14,035	$10,014,219	$24,048
2022	$3,211,620	$3,161,867	$9,940,991	$49,753
2021	$230,479	$195,633	$7,220,621	$34,846
2020	$342,850	$308,197	$7,063,169	$34,653
2019	$98,261	$58,830	$6,523,077	$39,431
2018	$399,751	$373,819	$6,831,502	$25,932

THE ST LOUIS LOCAL DEVELOPMENT CO