GROUNDSWELL CAPITAL (EIN 861017490) - 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

2001

Legal Domicile

Principal Officer

ANDREA THOMPSON

Phone

5202226722

Tax Period

2024-07-01 to 2025-06-30

GROUNDSWELL CAPITAL, founded in 2001, is a community nonprofit in the Housing & Shelter sector that reported $1.1M in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $472K, a strong 44% operating margin.

Mission

GROUNDSWELL CAPITAL IS AN ARIZONA-BASED 501(C)(3) NONPROFIT LENDER FOCUSED ON CREATING INNOVATIVE, BLENDED CAPITAL SOLUTIONS TO TACKLE OUR COMMUNITIES' BIGGEST CHALLENGES AND INVEST IN A VIBRANT, CLEAN ECONOMY WHERE ALL RESIDENTS CAN PROSPER.

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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 $684,792

Program Service Revenue $119,588

Investment Income $131,791

Other Revenue $127,126

TOTAL REVENUE $1,063,297

Expense Breakdown

Grants Paid $233,748

Salaries & Benefits $196,527

Fundraising Expenses $6,615

Program Expenses $534,972

Other Expenses $161,234

TOTAL EXPENSES $591,509

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,063,297	$2,426,655	-0.6%
Expenses	$591,509	$1,038,222	-0.4%
Net Income	$471,788	$1,388,433	-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

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

$174,854

Total Directors

$174,854

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA THOMPSON	PRESIDENT	40	Officer Director	$0	$5,074	$174,854
DAVE DICOSOLA	VICE-PRESIDENT	1	Officer Director	$0	$0	$0
ROB TULL	TREASURER	1	Officer Director	$0	$0	$0
MIGUEL CRUZ	BOARD MEMBER	1	Director	$0	$0	$0
ANNE DOUGHERTY	BOARD MEMBER	1	Director	$0	$0	$0
AMBER CORDOBA	BOARD MEMBER	1	Director	$0	$0	$0
SANDRA BARTON	BOARD MEMBER	1	Director	$0	$0	$0
MARK MANSFIELD	BOARD MEMBER	1	Director	$0	$0	$0
RITESH PATEL	BOARD MEMBER	1	Director	$0	$0	$0
ANGELO TORREALBA	BOARD MEMBER	1	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
2025	$1,063,297	$591,509	$13,828,734	$471,788
2024	$2,426,655	$1,038,222	$3,208,352	$1,388,433
2024	No data	No data	No data	No data
2023	$1,003,528	$583,739	$986,986	$419,789

GROUNDSWELL CAPITAL