Arroyo Crossing

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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

2019

Legal Domicile

Principal Officer

Kara Stoner

Phone

4352100248

Tax Period

2023-01-01 to 2023-12-31

Arroyo Crossing, founded in 2019, is a small nonprofit in the Public & Societal Benefit sector that reported $366K in total revenue in fiscal year 2023. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $545K exceeded revenue, resulting in a 49% operating deficit.

Mission

To support the mission of Moab Area Community Land Trust in order to create the opportunity for permanent affordable housing by preserving land held in trust.

Program Service Accomplishments

Program 1

Expenses: $376,114 Revenue: $365,056

To provide all necessary infrastructure improvements needed to construct approximately 300 deed restricted residential units and 5 commercial lots on 41 acres located in Grand County, Utah. The mixed use affordable housing project comprised of apartments, cottages, duplexes and single family homes that will be made available to qualifying residents of Grand and San Juan counties in Utah.

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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 $24

Program Service Revenue $365,056

Investment Income $1,408

Other Revenue $0

TOTAL REVENUE $366,488

Expense Breakdown

Grants Paid $261,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $376,114

Other Expenses $283,071

TOTAL EXPENSES $544,571

Year-over-Year Comparison

	2023	2022	Change
Revenue	$366,488	$851,279	-0.6%
Expenses	$544,571	$756,704	-0.3%
Net Income	$-178,083	$94,575	-2.9%

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

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
Elizabeth Dana	President	1.00	Officer Director	$0	$0	$0
Jon McKay	Vice President	1.00	Officer Director	$0	$0	$0
Barbara Hicks	Secretary, Treasurer Jan-Jun	1.00	Officer Director	$0	$0	$0
Kara Stoner	Secretary, Treasurer Jun-Dec	1.00	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
2024	No data	No data	No data	No data
2023	$366,488	$544,571	$153,264	$-178,083
2022	$851,279	$756,704	$4,570,895	$94,575
2021	$419,240	$364,283	$4,118,118	$54,957
2020	$3,078	$3,192	$4,356,895	$-114
2019	$16	$4,019	$4,287,997	$-4,003