BGCDL TITLE HOLDING COMPANY (EIN 831022585) - 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

2018

Legal Domicile

Principal Officer

MATTHEW JOHNSON

Phone

2188475700

Tax Period

2023-01-01 to 2023-12-31

BGCDL TITLE HOLDING COMPANY, founded in 2018, is a micro nonprofit in the Community Improvement sector that reported $58K in total revenue in fiscal year 2023. Expenses of $305K exceeded revenue, resulting in a 427% operating deficit.

Mission

ACQUIRE AND HOLD LONG-TERM LEASEHOLD TITLE FOR BOYS & GIRLS CLUB OF DETROIT LAKES INC'S NEW YOUTH CENTER.

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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 $0

Program Service Revenue $58,000

Investment Income $0

Other Revenue $0

TOTAL REVENUE $58,000

Expense Breakdown

Grants Paid $910

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $290,396

Other Expenses $304,486

TOTAL EXPENSES $305,396

Year-over-Year Comparison

	2023	2022	Change
Revenue	$58,000	$55,315	+0.0%
Expenses	$305,396	$302,710	+0.0%
Net Income	$-247,396	$-247,395	+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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM GRAFF	DIRECTOR	N/A	Director	$0	$0	$0
SANDY GUNDERSON	DIRECTOR	N/A	Director	$0	$0	$0
STACI MALIKOWSKI	DIRECTOR	N/A	Director	$0	$0	$0
MATTHEW JOHNSON	PRESIDENT	N/A	Officer	$0	$0	$0
JIM KALBERER	SECRETARY	N/A	Officer	$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	$58,000	$305,396	$5,238,260	$-247,396
2022	$55,315	$302,710	$5,485,656	$-247,395
2021	$43,000	$289,289	$5,733,051	$-246,289
2020	$43,086	$641,447	$5,980,446	$-598,361
2019	$114,647	$93,012	$6,577,796	$21,635
2018	$557,085	$7,515	$6,556,160	$549,570

BGCDL TITLE HOLDING COMPANY