ST JOHN FRUIT BELT COMMUNITY DEVELOPMENT CORPORATION (EIN 571148475) - 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

2003

Legal Domicile

Principal Officer

MICHAEL CHAPMAN

Phone

7168524504

Tax Period

2023-01-01 to 2023-12-31

ST JOHN FRUIT BELT COMMUNITY DEVELOPMENT CORPORATION, founded in 2003, is a small nonprofit in the Housing & Shelter sector that reported $539K in total revenue in fiscal year 2023. Revenue surged 111% from the prior year, signaling strong growth momentum. The organization ran a surplus of $306K, a strong 57% operating margin.

Mission

TO REVITALIZE THE FRUIT BELT COMMUNITY OF BUFFALO NEW YORK

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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 (2023)

Revenue Breakdown

Contributions & Grants $30,000

Program Service Revenue $494,128

Investment Income $2,148

Other Revenue $12,500

TOTAL REVENUE $538,776

Expense Breakdown

Grants Paid $105,000

Salaries & Benefits $50,000

Fundraising Expenses $0

Program Expenses $190,365

Other Expenses $77,628

TOTAL EXPENSES $232,628

Year-over-Year Comparison

	2023	2022	Change
Revenue	$538,776	$255,251	+1.1%
Expenses	$232,628	$320,979	-0.3%
Net Income	$306,148	$-65,728	-5.7%

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

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
MICHAEL CHAPMAN	PRESIDENT & CEO	15.00	Officer Director	$0	$0	$0
INA CHAPMAN	CHAIR & CO-TREASURER	10.00	Officer Director	$0	$0	$0
CATHERINE WRIGHT	SECRETARY	2.00	Officer 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	No data	No data	No data	No data
2023	$538,776	$232,628	$620,717	$306,148
2022	$255,251	$320,979	$525,769	$-65,728
2021	$138,679	$76,256	$380,297	$62,423

ST JOHN FRUIT BELT COMMUNITY DEVELOPMENT CORPORATION