POTLIKKER CAPITAL (EIN 852051176) - 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

MARK WATSON

Phone

8003195660

Tax Period

2024-01-01 to 2024-12-31

POTLIKKER CAPITAL, founded in 2020, is a community nonprofit in the Community Improvement sector that reported $1.8M in total revenue in fiscal year 2024. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $3.2M exceeded revenue, resulting in a 75% operating deficit.

Mission

POTLIKKER CAPITAL IS A CHARITABLE LOAN FUND THAT SUPPORTS SOCIALLY AND ECONOMICALLY DISADVANTAGED AGRICULTURAL PRODUCERS AND PROCESSORS NATIONWIDE. WE APPLY AN INTEGRATED CAPITAL MODEL, COMBINING FLEXIBLE LOANS, CATALYTIC GRANTS, TECHNICAL ASSISTANCE, AND OTHER TAILORED RESOURCES, TO HELP STRENGTHEN LOCAL FOOD SYSTEMS AND FOSTER LASTING CHANGE. OUR MODEL IS ROOTED IN TRUST, RELATIONSHIP, AND COMMUNITY STEWARDSHIP.

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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 $1,649,134

Program Service Revenue $130,321

Investment Income $25,562

Other Revenue $0

TOTAL REVENUE $1,805,017

Expense Breakdown

Grants Paid $284,416

Salaries & Benefits $1,263,350

Fundraising Expenses $255,386

Program Expenses $1,775,045

Other Expenses $1,615,897

TOTAL EXPENSES $3,163,663

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,805,017	$2,499,126	-0.3%
Expenses	$3,163,663	$2,011,322	+0.6%
Net Income	$-1,358,646	$487,804	-3.8%

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

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

$293,055

Total Directors

$259,097

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK WATSON	PRESIDENT/ C	40.00	Officer Director	$200,905	$5,022	$205,927
LOLITA DUNN	DIR INVEST R	40.00	Highest	$139,171	$24,939	$164,110
JUAN ESCARENO	FIELD DIRECT	40.00	Highest	$128,974	$26,145	$155,119
LISA CLOTTER	MANAGING DIR	40.00	Officer	$74,288	$12,840	$87,128
ERIKA WILLIAMS	DIRECTOR	15.00	Director	$53,170	$0	$53,170
AARON JAY FOSSETT	TREASURER	1.00	Officer Director	$0	$0	$0
COLLIE GRADDICK	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
KONDA MASON	DIRECTOR	1.00	Director	$0	$0	$0
VANESSA ROANHORSE	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER TAYLOR	DIRECTOR	1.00	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	$1,805,017	$3,163,663	$15,098,113	$-1,358,646
2023	$2,499,126	$2,011,322	$7,387,917	$487,804
2022	$1,291,869	$1,146,995	$2,893,690	$144,874
2021	$1,041,900	$234,499	$1,382,502	$807,401
2020	$537,500	$21,705	$515,795	$515,795

POTLIKKER CAPITAL