MONTERRA COMMUNITY FUND (EIN 850663372) - 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

2020

Legal Domicile

Principal Officer

WADE PAINTER

Phone

6503631725

Tax Period

2024-01-01 to 2024-12-31

MONTERRA COMMUNITY FUND, founded in 2020, is a micro nonprofit in the Community Improvement sector that reported $11K in total revenue in fiscal year 2024. Revenue fell 98% from the prior year — a significant decline worth monitoring. Expenses of $76K exceeded revenue, resulting in a 619% operating deficit.

Mission

MONTERRA COMMUNITY FUND IS A 501(C)(3) NONPROFIT FUND CREATED BY MONTERRA CREDIT UNION TO SUPPORT OUR COMMITMENT TO FINANCIAL WELLNESS IN OUR COMMUNITY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $10,228

Program Service Revenue $0

Investment Income $282

Other Revenue $0

TOTAL REVENUE $10,510

Expense Breakdown

Grants Paid $61,968

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $61,968

Other Expenses $13,583

TOTAL EXPENSES $75,551

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,510	$640,273	-1.0%
Expenses	$75,551	$831,694	-0.9%
Net Income	$-65,041	$-191,421	-0.7%

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

N/A

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

$1,521,373

Total Directors

$1,970,140

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WADE PAINTER	PRESIDENT	1.00	Officer Director	$0	$37,472	$872,583
VALERIE ALSIP	DIRECTOR	1.00	Director	$0	$28,079	$448,767
DAVID DIAMOND	CFO & TREASURER	1.00	Officer Director	$0	$37,648	$403,743
SUZANNE KNOWLTON	SECRETARY	1.00	Officer Director	$0	$36,037	$245,047

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	$10,510	$75,551	$411,488	$-65,041
2023	$640,273	$831,694	$506,529	$-191,421
2022	$12,185,125	$12,090,546	$1,552,950	$94,579
2021	$6,964,137	$7,768,318	$1,513,371	$-804,181
2020	$11,096,778	$10,719,279	$1,426,828	$377,499

MONTERRA COMMUNITY FUND