OAK RIDGE LAND BANK INC (EIN 463940863) - 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

2013

Legal Domicile

Principal Officer

KRISTIN ROBERTUCCI

Phone

8654253530

Tax Period

2024-07-01 to 2025-06-30

OAK RIDGE LAND BANK INC, founded in 2013, is a micro nonprofit in the Community Improvement sector that reported $20K in total revenue in fiscal year 2024. Revenue fell 129% from the prior year — a significant decline worth monitoring.

Mission

TO ACQUIRE, DEVELOP AND RETURN VACANT OR UNDESIRABLE LAND TO PRODUCTIVE USE

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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 $0

Program Service Revenue $0

Investment Income $406

Other Revenue $-20,240

TOTAL REVENUE $-19,834

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,970

Other Expenses $12,220

TOTAL EXPENSES $12,220

Year-over-Year Comparison

	2024	2023	Change
Revenue	$-19,834	$68,316	-1.3%
Expenses	$12,220	$67,136	-0.8%
Net Income	$-32,054	$1,180	-28.2%

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
TAMARA GUNTER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
PAMELA MOODY	DIRECTOR	1.00	Director	$0	$0	$0
KRISTIN ROBERTUCCI	CHAIR	3.00	Officer Director	$0	$0	$0
MELINDA HILLMAN	SEC/TREASURER	1.00	Officer Director	$0	$0	$0
WARREN L GOOCH	DIRECTOR	1.00	Director	$0	$0	$0
KEYS FILLAUER	DIRECTOR	1.00	Director	$0	$0	$0
NAOMI ASHER	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	$-19,834	$12,220	$2,393,615	$-32,054
2024	$68,316	$67,136	$2,398,269	$1,180
2023	$51,130	$71,685	$2,597,089	$-20,555
2022	$-55,432	$36,167	$2,819,968	$-91,599
2022	$-21,612	$36,167	$2,353,788	$-57,779
2021	$538,141	$22,918	$2,411,568	$515,223
2021	$709,264	$22,918	$2,583,691	$686,346
2020	$131,685	$8,292	$1,117,174	$123,393
2019	$-40,826	$6,898	$993,781	$-47,724

OAK RIDGE LAND BANK INC