LOW COST TENANTS ASSOCIATION

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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

1994

Legal Domicile

Principal Officer

JEAN NIANE

Phone

6172471445

Tax Period

2020-01-01 to 2020-12-31

LOW COST TENANTS ASSOCIATION, founded in 1994, is a small nonprofit that reported $214K in total revenue in fiscal year 2020. Revenue fell 50% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $75K, a strong 35% operating margin.

Mission

TO PROVIDE ASSISTANCE IN CREATING HOUSING FOR LOW AND MIDDLE INCOME PERSONS IN THE SOUTH END OF BOSTON, MASSACHUSETTS.

Program Service Accomplishments

Program 1

Expenses: $109,029

THE DEVELOPMENT AND SPONSORSHIP OF LOW INCOME HOUSING.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $96,102

Other Revenue $117,795

TOTAL REVENUE $213,897

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $109,029

Other Expenses $138,624

TOTAL EXPENSES $138,624

Year-over-Year Comparison

	2020	2019	Change
Revenue	$213,897	$426,699	-0.5%
Expenses	$138,624	$131,607	+0.1%
Net Income	$75,273	$295,092	-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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARYLINE MULDROW	CLERK	4.00	Director	$0	$0	$0
NATHANEL CROOMS-SMITH	DIRECTOR	4.00	Director	$0	$0	$0
KEITH J BRANCH	DIRECTOR	4.00	Director	$0	$0	$0
JEAN NIANE	PRESIDENT	4.00	Officer	$0	$0	$0
MARLENE BASKERVILLE	VICE PRESIDENT	4.00	Officer	$0	$0	$0
RUBY COLEMAN	TREASURER	4.00	Officer	$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
2020	$213,897	$138,624	$12,885,184	$75,273
2019	$426,699	$131,607	$12,619,310	$295,092
2018	$411,055	$112,873	$12,510,065	$298,182