Birmingham City Wide Local Development Company (EIN 630856904) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1978

Legal Domicile

Principal Officer

Robert Dickerson Jr

Phone

2052506380

Tax Period

2024-10-01 to 2025-09-30

Birmingham City Wide Local Development Company, founded in 1978, is a small nonprofit that reported $756K in total revenue in fiscal year 2017. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $896K exceeded revenue, resulting in a 19% operating deficit.

Mission

Providing loans through the Small Business Administration (SBA) to small businesses.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $601,866

Investment Income $28,388

Other Revenue $203,651

TOTAL REVENUE $833,905

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $796,920

Other Expenses $961,248

TOTAL EXPENSES $961,248

Year-over-Year Comparison

	2024	2023	Change
Revenue	$833,905	$903,192	-0.1%
Expenses	$961,248	$885,068	+0.1%
Net Income	$-127,343	$18,124	-8.0%

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
Lisa Cooper	President	1.00	Director	$0	$0	$0
Jarvis Morehead	Vice-President	1.00	Director	$0	$0	$0
Herman M Williams	Treasurer	1.00	Director	$0	$0	$0
Keith Strother	Board Member	1.00	Director	$0	$0	$0
Delpha-Bartley Jones	Board Member	1.00	Director	$0	$0	$0
Don J Giardina	Secretary	1.00	Director	$0	$0	$0
Victor Brown	Board Member	1.00	Director	$0	$0	$0
Robert Dickerson Jr	Executive Director	40.00	Officer Director	$0	$0	$0
J Wray Pearce	Board Member	1.00	Director	$0	$0	$0
Selena Rodgers-Dickerson	Board Member	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	$833,905	$961,248	$1,749,504	$-127,343
2024	$903,192	$885,068	$1,831,996	$18,124
2023	$773,407	$798,815	$1,866,231	$-25,408
2022	$866,070	$817,755	$1,871,529	$48,315
2021	$1,052,551	$990,463	$1,829,393	$62,088
2020	$790,006	$879,462	$1,804,181	$-89,456
2019	$783,456	$1,134,282	$1,829,111	$-350,826
2018	$755,614	$895,915	$2,183,840	$-140,301

Birmingham City Wide Local Development Company