PARADOX COMMUNITY TRUST (EIN 455626078) - 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

2012

Legal Domicile

Principal Officer

PAUL MAJOR

Phone

9702092880

Tax Period

2024-01-01 to 2024-12-31

PARADOX COMMUNITY TRUST, founded in 2012, is a community nonprofit in the Recreation & Sports sector that reported $1.0M in total revenue in fiscal year 2024. Revenue fell 61% from the prior year — a significant decline worth monitoring. Net assets of $5.0M represent 60 months of operating reserves.

Mission

TO PROVIDE AFFORDABLE HOUSING IN ECONOMICALLY CHALLENGED AREAS.

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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 $5,230,704

Program Service Revenue $0

Investment Income $166,304

Other Revenue $-4,395,534

TOTAL REVENUE $1,001,474

Expense Breakdown

Grants Paid $131,248

Salaries & Benefits $132,947

Fundraising Expenses $36,235

Program Expenses $855,139

Other Expenses $739,085

TOTAL EXPENSES $1,003,280

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,001,474	$2,535,896	-0.6%
Expenses	$1,003,280	$241,931	+3.1%
Net Income	$-1,806	$2,293,965	-1.0%

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

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

$290,829

Total Directors

$290,829

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN TISHMAN	MEMBER	1.00	Director	$0	$0	$0
RICHARD BETTS	CHAIRMAN	2.00	Director	$0	$0	$0
PAUL MAJOR	PRESIDENT	40.00	Officer Director	$290,829	$0	$290,829
MEGAN FERGUSON	MEMBER	1.00	Director	$0	$0	$0
AMY LATHAM	MEMBER	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
2024	$1,001,474	$1,003,280	$13,949,300	$-1,806
2023	$2,535,896	$241,931	$21,434,196	$2,293,965
2022	$370,000	$73,529	$14,518,618	$296,471
2021	$3,445,390	$30,958	$5,850,298	$3,414,432

PARADOX COMMUNITY TRUST