St Joseph Community Land Trust (EIN 651166533) - 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

Arthur Lyn Barnett

Phone

5305418930

Tax Period

2022-07-01 to 2023-06-30

St Joseph Community Land Trust, founded in 2003, is a small nonprofit in the Housing & Shelter sector that reported $229K in total revenue in fiscal year 2022. Revenue fell 55% from the prior year — a significant decline worth monitoring. Expenses of $504K exceeded revenue, resulting in a 120% operating deficit.

Mission

St Joseph Community Land Trust was formed exclusively for charitable purposes, with a mission to own real estate and develop programs to support individuals and families who cannot otherwise afford housing in the Lake Tahoe region.

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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 (2022)

Revenue Breakdown

Contributions & Grants $69,228

Program Service Revenue $158,795

Investment Income $1,295

Other Revenue $0

TOTAL REVENUE $229,318

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,380

Fundraising Expenses $18,082

Program Expenses $449,416

Other Expenses $329,529

TOTAL EXPENSES $503,909

Year-over-Year Comparison

	2022	2021	Change
Revenue	$229,318	$508,487	-0.5%
Expenses	$503,909	$245,786	+1.1%
Net Income	$-274,591	$262,701	-2.0%

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

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

$188,267

Total Directors

$188,267

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jean Diaz	Executive Dir.	40.00	Officer Director	$98,462	$0	$188,267
Arthur Lyn Barnett	President	10.00	Officer Director	$0	$0	$0
Steve Yarrow	Treasurer	5.00	Director	$0	$0	$0
Allan Bisbee MD	Vice President	5.00	Director	$0	$0	$0
Frances P Alling	Secretary	5.00	Director	$0	$0	$0
Michael Fronk	Board Member	5.00	Director	$0	$0	$0
Kristina Hill	Board Member	5.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$229,318	$503,909	$1,702,521	$-274,591
2022	$508,487	$245,786	$1,704,409	$262,701
2021	$222,613	$149,302	$1,281,624	$73,311
2020	$262,987	$113,602	$1,207,924	$149,385
2019	$243,027	$55,110	$1,056,984	$187,917
2018	$996,573	$308,837	$869,837	$687,736

St Joseph Community Land Trust