NEW AMERICAN COMMUNITY LENDING CORPORATION (EIN 883474687) - 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

2022

Legal Domicile

Principal Officer

KRISH O'MARA VIGNARAJAH

Phone

4102300700

Tax Period

2023-01-01 to 2023-12-31

NEW AMERICAN COMMUNITY LENDING CORPORATION, founded in 2022, is a micro nonprofit in the Human Services sector that reported $89K in total revenue in fiscal year 2023. Revenue fell 87% from the prior year — a significant decline worth monitoring. Expenses of $396K exceeded revenue, resulting in a 345% operating deficit.

Mission

NEW AMERICAN COMMUNITY LENDING (NACL) FINANCIALLY EMPOWERS REFUGEES, ASYLUM SEEKERS, AND OTHER IMMIGRANTS TO PROMOTE STABILITY, SECURITY, AND A SHARE IN THE AMERICAN DREAM.

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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 $75,760

Program Service Revenue $13,257

Investment Income $0

Other Revenue $0

TOTAL REVENUE $89,017

Expense Breakdown

Grants Paid $0

Salaries & Benefits $224,183

Fundraising Expenses $13,375

Program Expenses $294,734

Other Expenses $171,580

TOTAL EXPENSES $395,763

Year-over-Year Comparison

	2023	2022	Change
Revenue	$89,017	$704,129	-0.9%
Expenses	$395,763	$102,848	+2.8%
Net Income	$-306,746	$601,281	-1.5%

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

$642,967

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELE SPEAKS	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
DENNIS WIECKERT	TREASURER	1.00	Officer Director	$0	$0	$0
ELIZABETH WAGNER	SECRETARY	1.00	Officer Director	$0	$0	$0
MUHSIN HASSAN	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISH O'MARA VIGNARAJAH	PRESIDENT & CEO	1.00	Officer	$0	$40,592	$642,967

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	$89,017	$395,763	$754,562	$-306,746
2022	$704,129	$102,848	$666,859	$601,281

NEW AMERICAN COMMUNITY LENDING CORPORATION