NOAH COMMUNITY DEVELOPMENT FUND INC (EIN 043554045) - 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

2001

Legal Domicile

Principal Officer

PHILIP GIFFEE

Phone

6175675882

Tax Period

2024-01-01 to 2024-12-31

NOAH COMMUNITY DEVELOPMENT FUND INC, founded in 2001, is a micro nonprofit in the Housing & Shelter sector that reported $4 in total revenue in fiscal year 2024. Revenue fell 99% from the prior year — a significant decline worth monitoring. Expenses of $4K exceeded revenue, resulting in a 100200% operating deficit.

Mission

TO PROVIDE LOANS AND COUNSELING FOR HOME OWNERSHIP TO LOW TO MODERATE INCOME RESIDENTS.

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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 $0

Program Service Revenue $4

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,512

Other Expenses $4,012

TOTAL EXPENSES $4,012

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4	$436	-1.0%
Expenses	$4,012	$86,798	-1.0%
Net Income	$-4,008	$-86,362	-1.0%

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

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

$340,101

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BRYANT	PRESIDENT	0.25	Officer Director	$0	$0	$0
CELSA MORENO-BARKER	VICE PRESIDENT	0.25	Officer Director	$0	$0	$0
MEGAN REAGON	TREASURER	0.25	Officer Director	$0	$0	$0
ROBERT SCHMIDT	SECRETARY/ CLERK	0.25	Officer Director	$0	$0	$0
ANA ALONZO	BOARD MEMBER	0.25	Director	$0	$0	$0
MONICA BARRERA	BOARD MEMBER	0.25	Director	$0	$0	$0
NINA GAETA COLETTA	BOARD MEMBER	0.25	Director	$0	$0	$0
CATHERINE MCCANDLESS	BOARD MEMBER	0.25	Director	$0	$0	$0
DAVID VILLANEUVA	BOARD MEMBER	0.25	Director	$0	$0	$0
PHILIP GIFFEE	EXECUTIVE DIRECTOR	0.25	Officer	$0	$35,094	$206,760
VINNY QUALTIERI	DIRECTOR OF FINANCE & ADMIN	0.25	Officer	$0	$11,471	$133,341
LINDA MILLER-FOSTER	DIRECTOR OF ADMIN AND FUNDRAISING	0.25	Highest	$0	$13,157	$130,824

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	$4	$4,012	$909,811	$-4,008
2023	$436	$86,798	$909,972	$-86,362
2022	$912	$6,755	$996,334	$-5,843
2021	$3	$4,026	$1,004,714	$-4,023
2020	$462	$5,031	$1,009,300	$-4,569
2019	$3,573	$4,861	$1,012,269	$-1,288
2018	$1,124	$5,750	$919,270	$-4,626

NOAH COMMUNITY DEVELOPMENT FUND INC