COMMUNITY ACTION TRUST INC (EIN 852763339) - 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

RICHELLE CROMWELL

Phone

6178846130

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY ACTION TRUST INC, founded in 2020, is a small nonprofit in the Human Services sector that reported $126K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $203K exceeded revenue, resulting in a 61% operating deficit.

Mission

TO DEVELOP, PRUDENTLY MANAGE AND DISBURSE FINANCIAL RESOURCES TO SUPPORT PROGRAMS AND SERVICES OF COMMUNITY ACTION PROGRAMS INTER-CITY, INC.

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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 $0

Program Service Revenue $114,000

Investment Income $12,257

Other Revenue $0

TOTAL REVENUE $126,257

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $154,702

Other Expenses $202,702

TOTAL EXPENSES $202,702

Year-over-Year Comparison

	2024	2023	Change
Revenue	$126,257	$110,500	+0.1%
Expenses	$202,702	$212,459	0.0%
Net Income	$-76,445	$-101,959	-0.3%

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

$189,815

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUIS TEJADA	PRESIDENT	1.00	Officer Director	$0	$0	$0
LYDIA LEONARD	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LEONARDO PAUL	TREASURER	1.00	Officer Director	$0	$0	$0
STACEY SMITH	CLERK	1.00	Officer Director	$0	$0	$0
RICHELLE CROMWELL	EXECUTIVE DIRECTOR	1.00	Officer	$0	$14,966	$189,815

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
2025	$126,257	$202,702	$1,794,642	$-76,445
2024	$110,500	$212,459	$1,916,302	$-101,959
2023	$122,400	$220,631	$2,046,724	$-98,231
2022	$532,248	$225,564	$2,170,639	$306,684
2021	$1,889,251	$231,282	$2,280,058	$1,657,969

COMMUNITY ACTION TRUST INC