COMMUNITY ACTION FOR BETTER HOUSING INC (EIN 043330633) - 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

1995

Legal Domicile

Principal Officer

JEFFREY SHERMAN

Phone

5089970130

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY ACTION FOR BETTER HOUSING INC, founded in 1995, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2024. The organization ran a surplus of $856K, a strong 34% operating margin.

Mission

TO PROVIDE DECENT HOUSING THAT IS AFFORDABLE TO PERSONS WITH LOW OR MODERATE INCOME.

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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 $733,319

Program Service Revenue $1,189,812

Investment Income $412,897

Other Revenue $153,514

TOTAL REVENUE $2,489,542

Expense Breakdown

Grants Paid $0

Salaries & Benefits $507,297

Fundraising Expenses $0

Program Expenses $1,194,325

Other Expenses $1,126,302

TOTAL EXPENSES $1,633,599

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,489,542	$2,522,457	0.0%
Expenses	$1,633,599	$1,601,020	+0.0%
Net Income	$855,943	$921,437	-0.1%

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

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
REVEREND JEFF CABRAL	DIRECTOR	10.00	Director	$0	$0	$0
KEVIN MCCARTHY	DIRECTOR	10.00	Director	$0	$0	$0
PETER POWERS	DIRECTOR	10.00	Director	$0	$0	$0
EVELYN RANONE	DIRECTOR	10.00	Director	$0	$0	$0
EDGAR M DA CUNHA	PRESIDENT	10.00	Officer	$0	$0	$0
KEVIN R KILEY	TREASURER	10.00	Officer	$0	$0	$0
JOSEPH HARRINGTON	CLERK	10.00	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
2025	$2,489,542	$1,633,599	$10,901,123	$855,943
2024	No data	No data	No data	No data
2023	$1,382,545	$1,479,907	$7,517,148	$-97,362
2022	$1,279,088	$1,380,277	$7,835,552	$-101,189
2021	$1,265,774	$1,318,729	$8,024,059	$-52,955
2020	$1,171,799	$1,236,668	$8,145,534	$-64,869
2019	$1,192,468	$1,327,892	$7,977,785	$-135,424
2018	$1,034,524	$1,407,563	$8,600,349	$-373,039

COMMUNITY ACTION FOR BETTER HOUSING INC