CHAUTAUQUA COUNTY LAND BANK CORPORATION (EIN 461480852) - 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

Phone

7169697843

Tax Period

2025-01-01 to 2025-12-31

CHAUTAUQUA COUNTY LAND BANK CORPORATION, founded in 2012, is a community nonprofit in the Housing & Shelter sector that reported $1.0M in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. Expenses of $1.6M exceeded revenue, resulting in a 60% operating deficit.

Mission

To reverse the trend of further deterioration of the County of Chautauqua's housing and commercial stock; control and modestly improve promising properties so that reputable buyers can be attracted.

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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 (2025)

Revenue Breakdown

Contributions & Grants $948,711

Program Service Revenue $0

Investment Income $26,149

Other Revenue $32,717

TOTAL REVENUE $1,007,577

Expense Breakdown

Grants Paid $0

Salaries & Benefits $228,869

Fundraising Expenses $0

Program Expenses $1,441,749

Other Expenses $1,382,559

TOTAL EXPENSES $1,611,428

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,007,577	$1,917,007	-0.5%
Expenses	$1,611,428	$1,762,035	-0.1%
Net Income	$-603,851	$154,972	-4.9%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gina Paradis	Executive Director	40.00		$75,006	$14,400	$89,406
Hugh Butler	Director	1.00	Director	$0	$0	$0
Charles Cornell	Director	1.00	Director	$0	$0	$0
Bonnie Strickland	Vice Chair	1.00	Officer Director	$0	$0	$0
Mark Geise	Chair	1.00	Officer Director	$0	$0	$0
Bob Scudder	Secretary	1.00	Officer Director	$0	$0	$0
Diane Hannum	Treasurer	1.00	Officer Director	$0	$0	$0
Lou Drago	Director	1.00	Director	$0	$0	$0
John Hemmer	Director	1.00	Director	$0	$0	$0
Todd Hnatyszyn	Director	0.00	Director	$0	$0	$0
Shelley Lincoln	Director	1.00	Director	$0	$0	$0
Rebecca Meeder	Director	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
2025	$1,007,577	$1,611,428	$849,920	$-603,851
2024	$1,917,007	$1,762,035	$1,470,373	$154,972
2023	$660,895	$347,419	$1,624,546	$313,476
2022	$524,970	$637,414	$1,365,132	$-112,444
2021	$991,063	$668,718	$1,470,183	$322,345
2020	$281,996	$271,935	$1,128,322	$10,061
2020	$281,996	$271,935	$1,128,322	$10,061
2019	$156,611	$249,095	$1,184,293	$-92,484
2018	$353,128	$220,495	$1,225,982	$132,633

CHAUTAUQUA COUNTY LAND BANK CORPORATION