Woodlands Community Lenders Inc (EIN 453779342) - 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

2011

Legal Domicile

Principal Officer

Sandra Frank

Phone

3044042300

Tax Period

2023-01-01 to 2023-12-31

Woodlands Community Lenders Inc, founded in 2011, is a community nonprofit in the Community Improvement sector that reported $1.2M in total revenue in fiscal year 2023. Revenue surged 74% from the prior year, signaling strong growth momentum. The organization ran a surplus of $468K, a strong 40% operating margin.

Mission

The mission of WCL is to foster entrepreneurship and community revitalization by providing access to capital and technical assistance to businesses and non-profit organizations located in the underserved communities of Randolph, Barbour and Tucker Counties.

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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 $993,708

Program Service Revenue $25,176

Investment Income $137,053

Other Revenue $0

TOTAL REVENUE $1,155,937

Expense Breakdown

Grants Paid $0

Salaries & Benefits $176,607

Fundraising Expenses $0

Program Expenses $575,998

Other Expenses $511,351

TOTAL EXPENSES $687,958

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,155,937	$664,782	+0.7%
Expenses	$687,958	$587,034	+0.2%
Net Income	$467,979	$77,748	+5.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sandra Frank	President	0.50	Officer Director	$0	$0	$0
Becky McClung	Vice President	0.50	Officer Director	$0	$0	$0
Mark Doak	Treasurer	0.50	Officer Director	$0	$0	$0
Carol Carter	Secretary	0.50	Officer Director	$0	$0	$0
Dean Ahern	Director	0.50	Director	$0	$0	$0
Matt Osborne	Director	0.50	Director	$0	$0	$0
Robbie Morris	Director	0.50	Director	$0	$0	$0
Dave Clark	Executive Director	5.00	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
2024	No data	No data	No data	No data
2023	$1,155,937	$687,958	$5,360,280	$467,979
2022	$664,782	$587,034	$4,763,274	$77,748
2021	$1,393,834	$609,883	$3,878,006	$783,951
2020	$1,150,218	$742,313	$2,966,762	$407,905

Woodlands Community Lenders Inc