POINT LOMA TRUST (EIN 811295536) - 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

2016

Legal Domicile

Principal Officer

Dr Joseph Watkins

Phone

6196561500

Tax Period

2021-01-01 to 2021-12-31

POINT LOMA TRUST, founded in 2016, is a micro nonprofit in the Education sector that reported $11 in total revenue in fiscal year 2021. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $69K exceeded revenue, resulting in a 631291% operating deficit.

Mission

Provide financial support for deserving students and programs at Point Loma Nazarene University.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $11

Other Revenue $0

TOTAL REVENUE $11

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $69,453

TOTAL EXPENSES $69,453

Year-over-Year Comparison

	2021	2020	Change
Revenue	$11	$5,204	-1.0%
Expenses	$69,453	$73,481	-0.1%
Net Income	$-69,442	$-68,277	+0.0%

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

$91,942

Total Directors

$121,875

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG JAMISON	CHIEF EXECUTIVE OFFICER	20	Director	$0	$0	$121,875
CECIL DUNAGAN	CHIEF FINANCIAL OFFICER	20	Officer	$0	$0	$91,942
JOSEPH WATKINS	CHAIRMAN OF THE BOARD	20	Director	$0	$0	$0
JOY BLOUNT	BOARD MEMBER	10	Director	$0	$0	$0
BILL DAVIDSON	BOARD MEMBER	10	Director	$0	$0	$0
JASON MACKENZIE	BOARD MEMBER	10	Director	$0	$0	$0
MONTY ORTMAN	BOARD MEMBER	10	Director	$0	$0	$0
MICHAEL VAN BUSKIRK	BOARD MEMBER	10	Director	$0	$0	$0
KEITH ALLEN-NIESEN	BOARD MEMBER	10	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
2021	$11	$69,453	$1,286,767	$-69,442
2020	$5,204	$73,481	$1,321,076	$-68,277

POINT LOMA TRUST