CARDINAL DEVELOPMENT INC % SIOUXLAND BANK ATTN BART GOTCH (EIN 470800364) - 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

1997

Legal Domicile

Phone

4024942001

Tax Period

2024-01-01 to 2024-12-31

CARDINAL DEVELOPMENT INC % SIOUXLAND BANK ATTN BART GOTCH, founded in 1997, is a micro nonprofit that reported $1K in total revenue in fiscal year 2024. The organization ran a surplus of $807, a strong 59% operating margin.

Mission

ECONOMIC AND COMMUNITY DEVELOPMENT

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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 $1,362

Other Revenue $0

TOTAL REVENUE $1,362

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $555

TOTAL EXPENSES $555

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,362	$1,352	+0.0%
Expenses	$555	$649	-0.1%
Net Income	$807	$703	+0.1%

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	Role	Reportable Comp	Other Comp	Total
BART GOTCH	CHAIRMAN	Officer Director	$0	$0	$0
MARK BUCKLEY	TREASURER	Officer Director	$0	$0	$0
DAN HARTNETT	DIRECTOR	Director	$0	$0	$0
CHUCK CARSON	DIRECTOR	Director	$0	$0	$0
ERIC BERTNESS	DIRECTOR	Director	$0	$0	$0
CATHIE BISHOP	DIRECTOR	Director	$0	$0	$0
DR DAVE KINCAID	DIRECTOR	Director	$0	$0	$0
JOEL STEENHOVEN	DIRECTOR	Director	$0	$0	$0
KEN ACKERMAN	DIRECTOR	Director	$0	$0	$0
SCOTT MANLEY	DIRECTOR	Director	$0	$0	$0
BORT BORTSCHELLER	DIRECTOR	Director	$0	$0	$0
RICK ROBINETTE	DIRECTOR	Director	$0	$0	$0
JIM NELSON	DIRECTOR	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	$1,362	$555	$209,152	$807
2023	$1,352	$649	$208,345	$703
2022	$728	$986	$207,642	$-258
2021	$416	$627	$207,900	$-211
2020	$571	$79	$208,111	$492
2019	$1,538	$1,043	$207,619	$495
2018	$604	$514	$207,124	$90

CARDINAL DEVELOPMENT INC % SIOUXLAND BANK ATTN BART GOTCH