THREE ROOTS CAPITAL (EIN 621624472) - 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

1995

Legal Domicile

Principal Officer

CHRIS MILLER

Phone

8652201710

Tax Period

2024-01-01 to 2024-12-31

THREE ROOTS CAPITAL, founded in 1995, is a community nonprofit in the Community Improvement sector that reported $6.8M in total revenue in fiscal year 2024. Revenue surged 82% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.9M, a strong 43% operating margin.

Mission

ACCESS TO CAPITAL AND BUSINESS COACHING THAT CREATE SUCCESSFUL OUTCOMES FOR CLIENTS AND PARTNERS.

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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 $148,154

Program Service Revenue $6,687,983

Investment Income $508

Other Revenue $0

TOTAL REVENUE $6,836,645

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,565,431

Fundraising Expenses $0

Program Expenses $3,394,928

Other Expenses $2,356,540

TOTAL EXPENSES $3,921,971

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,836,645	$3,754,391	+0.8%
Expenses	$3,921,971	$2,155,921	+0.8%
Net Income	$2,914,674	$1,598,470	+0.8%

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

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

$916,512

Total Directors

$617,123

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GRADY VANDERHOOFVEN	PRESIDENT & CEO	40.00	Officer Director	$565,384	$51,739	$617,123
L RAY MONCRIEF	DIRECTOR	1.00	Director	$0	$0	$0
FRED TOMPKINS	DIRECTOR	1.00	Director	$0	$0	$0
MARIANNE WANAMAKER	DIRECTOR	1.00	Director	$0	$0	$0
DAVID BRADSHAW	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CHRIS MILLER	CHIEF FINANCIAL OFFICER	40.00	Officer	$264,143	$35,246	$299,389
DENNIS CORLEY DIRECTOR OF SMALL	DIRECTOR, LENDING & INVESTING	40.00	Highest	$174,802	$30,485	$205,287

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	$6,836,645	$3,921,971	$190,127,014	$2,914,674
2023	$3,754,391	$2,155,921	$176,294,267	$1,598,470
2022	$3,463,266	$1,728,290	$128,659,022	$1,734,976
2021	$3,110,198	$1,397,542	$108,470,074	$1,712,656
2020	$1,855,157	$1,237,125	$86,877,405	$618,032
2019	$1,670,160	$1,353,624	$84,026,259	$316,536
2018	$979,110	$844,285	$66,143,194	$134,825

THREE ROOTS CAPITAL