TEDFORD HOUSING (EIN 010422035) - 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

1988

Legal Domicile

Principal Officer

ANDREW LARDIE

Phone

2077291161

Tax Period

2023-07-01 to 2024-06-30

TEDFORD HOUSING, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $2.0M in total revenue in fiscal year 2023. Revenue decreased 16% compared to the prior year. Expenses of $1.9M left a modest 7% surplus.

Mission

PROVIDE SHELTER TO HOMELESS

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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 $1,473,011

Program Service Revenue $439,109

Investment Income $83,369

Other Revenue $3,622

TOTAL REVENUE $1,999,111

Expense Breakdown

Grants Paid $0

Salaries & Benefits $802,593

Fundraising Expenses $194,979

Program Expenses $1,366,791

Other Expenses $1,058,966

TOTAL EXPENSES $1,861,559

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,999,111	$2,375,381	-0.2%
Expenses	$1,861,559	$1,791,114	+0.0%
Net Income	$137,552	$584,267	-0.8%

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

133

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

Total Directors

Key Employees

$108,970

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN GALLAGHER	TREASURER	1.00	Officer Director	$0	$0	$0
JAMIE PACHECO	SECRETARY	1.00	Director	$0	$0	$0
DONNA CHALE	DIRECTOR	1.00	Director	$0	$0	$0
KATHY COLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID DAMOUR	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN EKLUND	DIRECTOR	1.00	Director	$0	$0	$0
CYNTHIA DECHENES	DIRECTOR	1.00	Director	$0	$0	$0
TONI KEMMERLE	PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROLYN INGRHAM	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BUNKER	DIRECTOR	1.00	Director	$0	$0	$0
NONNY SOIFER	VICE PRESIDENT	1.00	Director	$0	$0	$0
SCOTT UPHAM	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW LARDIE	EXECUTIVE DIRECTOR	40.00	Key Emp	$108,970	$0	$108,970

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	No data	No data	No data	No data
2024	$1,999,111	$1,861,559	$9,659,300	$137,552
2023	$2,375,381	$1,791,114	$7,282,761	$584,267
2022	$1,692,245	$1,655,245	$6,234,793	$37,000
2021	$1,651,938	$1,553,998	$5,575,843	$97,940
2020	$2,025,392	$1,490,745	$5,504,129	$534,647
2019	$1,304,124	$1,506,459	$5,404,713	$-202,335

TEDFORD HOUSING