OYATE COMMUNITY DEVELOPMENT CORPORATION (EIN 460846338) - 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

2009

Legal Domicile

Phone

7018547590

Tax Period

2022-01-01 to 2022-12-31

OYATE COMMUNITY DEVELOPMENT CORPORATION, founded in 2009, is a small nonprofit in the Community Improvement sector that reported $198K in total revenue in fiscal year 2022. Revenue surged 58% from the prior year, signaling strong growth momentum. Expenses of $183K left a modest 8% surplus.

Mission

Loan making to small businesses and individuals with credit challenges.

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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 $169,852

Program Service Revenue $0

Investment Income $28,077

Other Revenue $0

TOTAL REVENUE $197,929

Expense Breakdown

Grants Paid $0

Salaries & Benefits $134,192

Fundraising Expenses $0

Program Expenses $110,410

Other Expenses $48,844

TOTAL EXPENSES $183,036

Year-over-Year Comparison

	2022	2021	Change
Revenue	$197,929	$124,984	+0.6%
Expenses	$183,036	$146,721	+0.2%
Net Income	$14,893	$-21,737	-1.7%

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

Total Directors

Key Employees

$63,735

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael McCafferty	Executive Director	40.00	Highest	$65,000	$0	$65,000
Ervin Knuth	Loan Officer	40.00	Key Emp	$50,003	$0	$50,003
Nicole Alkire Grady	Business and Technology Manager	20.00	Key Emp	$13,732	$0	$13,732
Joseph McNeil	President	10.00	Officer Director	$0	$0	$0
Jonathan Anderson	Secretary - Treasurer	15.00	Officer Director	$0	$0	$0
Leslie Gipp	Director	2.00	Officer Director	$0	$0	$0
Sterling St John	Director	2.00	Officer Director	$0	$0	$0
Pamela Ternes	Director	2.00	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
2022	$197,929	$183,036	$1,573,125	$14,893
2021	$124,984	$146,721	$1,093,889	$-21,737
2020	$94,494	$88,238	$1,299,831	$6,256

OYATE COMMUNITY DEVELOPMENT CORPORATION