BREAD & ROSES HOUSING INC (EIN 042983365) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Principal Officer

ARLIN SANTIAGO

Phone

9786851823

Tax Period

2024-07-01 to 2024-08-16

BREAD & ROSES HOUSING INC, founded in 1987, is a micro nonprofit that reported $13K in total revenue in fiscal year 2024. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $18K exceeded revenue, resulting in a 34% operating deficit.

Mission

CREATE, PRESERVE AND ADVOCATE FOR AFFORDABLE HOUSING OPPORTUNITIES FOR LOW-INCOME FAMILIES; SUPPORT FAMILIES' GOALS OF SELF SUFFICIENCY, EDUCATION AND EMPOWERMENT; IMPROVE ECONOMICALLY DISTRESSED NEIGHBORHOODS, AND ADVOCATE FOR THE AFFORDABLE HOUSING NEEDS OF FAMILIES' GOALS OF SELF SUFFICIENCT, EUDCATION AND EMPOWERMENT.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $3,227

Program Service Revenue $9,862

Investment Income $0

Other Revenue $0

TOTAL REVENUE $13,089

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,236

Fundraising Expenses $0

Program Expenses $10,192

Other Expenses $13,358

TOTAL EXPENSES $17,594

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,089	$210,238	-0.9%
Expenses	$17,594	$278,853	-0.9%
Net Income	$-4,505	$-68,615	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Total Directors

$3,935

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARLIN SANTIAGO	PRESIDENT	1.00	Officer Director	$0	$0	$0
MARIE THERESE CHAHINE	TREASURER	1.00	Officer Director	$0	$0	$0
VIVIANNA CORDERO	CLERK	1.00	Officer Director	$0	$0	$0
GLORIA ABOU-HAIDAR	BOARD MEMBER	1.00	Director	$0	$0	$0
SASHA TORRES	BOARD MEMBER	1.00	Director	$0	$0	$0
ANNMARY IRENE CONNOR	EXECUTIVE DIRECTOR	40.00	Director	$3,935	$0	$3,935

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	$13,089	$17,594	No data	$-4,505
2024	$210,238	$278,853	$2,672,696	$-68,615
2023	$216,547	$390,225	$2,139,582	$-173,678
2022	$486,722	$345,046	$2,264,147	$141,676
2021	$1,196,868	$1,397,563	$2,346,641	$-200,695
2020	$470,457	$268,695	$2,616,235	$201,762
2019	$469,609	$310,291	$2,277,557	$159,318
2018	$559,176	$489,374	$2,578,231	$69,802

BREAD & ROSES HOUSING INC